With her strict $25 per gift budget, Zina Kumok, founder of the blog DebtFreeinThree, has to employ a little more creativity for holiday shopping. “I recently gave my my mom a ziplining tour for Mother’s Day, a whale watch for her birthday, and a chocolate tour of New York City last year, all of which were huge hits and very affordable,” says Stefanie O’Connell of TheBrokeandBeautifulLife.com.
