
Napkin Directions
To make Christmas napkins, buy 1 yard of Christmas cotton fabric. Cut it into 4 equal size squares and iron until wrinkle-free. Then simply serge the edges of the napking with a contrasting thread color to give you the nice finished edge you find in stores. If you don't have a serger, you can do a hankerchief hem around the edges.
You don't have to be limited by Christmas fabric. You can make everyday napkins, Thanksgiving napkins, spring napkins, St. Valentine's Day napkins, or Fourth of July napkins.
A set of 4 napkins with 4 homemade napkin rings will make a nice gift.
Jar Gifts
Or maybe I will make cookie mixes in a jar. Directions for these projects can be found online. I have other options to fill my jars with. There are soup mixes in a jar, baking mixes in a jar, and casserole mixes in a jar too. These all make lovely gifts.
Gifts of Time

I can get a gift certificate for them or give them a massage, pedicure, or manicure myself.
Photographs
I love to take pictures. My computer is loaded with great shots of friends and family members. Maybe a framed photograph or a homemade slidehow of pictures set to his/her favorite song would be a great Christmas present.
Whatever I end up giving this year, it will cost more in times of time and effort than money itself. You know, my loved ones may like this year's gifts better.
Keeping it Simple!
Merey
(Meredith Ludwig Curtis)