Clark and I ran away for Thanksgiving week, as we often do, to a little town in North Carolina where we don't know a soul. We were so excited about spending the holiday in riotous living (reading and sleeping) that I totally spaced on Circle of Sisters until Thanksgiving morning. Imagine how grateful I was to open my Circle email and find SEVENTY-FIVE (count 'em!) emails from Meridian readers, with ideas to help Broke in Baltimore celebrate a cashless Christmas. As you can well imagine, Meridian 's readers were high on my list of things to be grateful for on Thanksgiving.

Here are some great ideas for Broke in Baltimore — and for the rest of you, who may be broke in different areas of the country or the world:

We were broke in Idaho. My daughter was 16, and my sons were 14 and 11. The boys had paper routes and the girl babysat as much as possible. There was no money for Christmas presents, so this is what we decided to do. We drew names and everyone was given a dollar (this was16 years ago) to spend on a "white elephant" from the thrift store. That took care of the presents under the tree.

My husband talked with the missionaries to see if there was a family they were teaching who was really in need. There was — a migrant family who really had nothing. We had a new blanket that we had not used. We wrapped it up and made some banana bread and delivered it to them.

We wrote out the real story of Christmas, made copies, and baked cookies. We each choose two nonmember families or part-member families and delivered the cookies with our copy of the Christmas story. We had a blast and all learned the true meaning of Christmas.

Sharen Berry,who is Blessed in Missouri

Thanks, Sharen, for pointing out the difference between people who are broke and people who are really in need. Being unemployed this year, I, too, am without funds this Christmas. But I can't think of anyone who is richer in blessings than I am. Thanks for the reminder.

Here are ideas for a Christmas with less money:

Have a “swap-r-trade” evening (or do lists by email) with your friends, where you bring or describe things that you would be willing to part with —if someone else has something that you want more. Maybe if you have something worth quite a bit of money, but someone else has a several things that you would be willing to exchange for it.

Check Craig's List for free things — or savings on things you need.

Think about what your loved ones need — not about just wants. Maybe it is socks!

You can help the kids make things too. This really helps them to get more joy out of giving. You can help them make puzzles by choosing pictures from old church magazines, which are then glued to the back of construction paper. Make pieces by drawing lines on the back and cutting along the lines. Make easy pieces for kids and harder pieces for older children. Then put the pieces in an envelope. Sometimes it is fun not to have any idea what the picture will be!

Go to the thrift store or garage sales, and find frames that you like, then frame a picture that you think they would like, or give them several pictures from church magazines and let them choose what will work.

Putting together “kits” from things you get from the thrift store can be fun. Find a container there — a basket or lunchbox or mug or something. (Get lots of these when you find good ones!) Then make a sewing kit (thread, needles, scissors, measuring tape, pin cushions), or a scrapbooking kit (decorative stickers, photo mounts), or a "desk on the move" kit with things you can keep in the car when you are away from home.

You could make a “travel/sleepover kit” and put in some little bottles of shampoo, and individual bars of wrapped soap or other toiletries. Some people end up giving these things to the thrift stores, so you may find them there. Add a little mirror and a brush and you're ready to go.

You can make a "child's makeup kit” for children who are older than four. Something like that is best used with parental supervision!

You can start a life history book, with an old three-ring binder, that you could cover with fabric (even like a paper bookcover — but sewn on) and you add some paper that you get from the thrift store, maybe some left in several spiral paper packs, but take it out and combine it in the
binder. Then you write up a good memory you have of them!

You can also make the rounds of garage sales at the end of the time they are to be open, as many times, people would be so sick of their stuff that they would give it to anyone who would haul it away. Even if it isn't something you need yourself, could you sell it — or trade it?

Make a gift for kids, buy getting used old fancy formal wear (from the thrift store), and an old suitcase, put in high heels (smallest sizes!). For boys, vests, and hats are fun. Also add shawls and old fur coats or handbags.

Also gather old jewelry and beads then remake it into something in style. Kids love to make brackets and sting beads. You can get even get parts from Wal-mart.

Don't forget books. Often thrift stores have great books for kids or adults!

You can make “cleaning cloths” out of old towels, by cutting them up and hemming or zig-zagging the edges.

Make matching chef-style aprons for the whole family from a fun printed sheet.

Make a bedspread/comforter by taking an older worn looking blanket, and some used but still good sheets. Instead of quilting it, tie it with the little ties all over, using a large needle and some yarn (also from the thrift store).

Make a shoe shine kit; make your own stationery for a loved one; put all the DRY ingredients together for something yummy with the recipe for them to finish with the wet ones.

Make a name sign of their family name for their wall, or their yard — or give them the materials (a piece of wood, and the paints so they can use the lettering style they like).

Buy a used basket, (or just make a very large draw sting bag) and fill it with things they would love. For clues, look at what they already like!

Maybe you can make a “visiting kids” basket of toys, for a grandmother to have ready for use.

Make a lap board, with using a piece of lightweight wood or sturdy plastic and then fill a pouch with styofoam peanuts or a pillow or whatever, and attach it to the back of the flat desk top, so a kid can use it in the car to draw on.

Make “dancing skirts' or whole princess outfits for little girls, by finding something at the thrift store (maybe sheer curtains, or a dress to take apart or just some fabric that someone bought and never made up), and cut it so it is like a doughnut or circle skirt, with a drawstring at the inside circle/waist, and long enough to almost touch the floor of the girl you want to gift.

Make it a homemade giving Christmas, where people must make the gifts by hand. Give food, or give service coupons, and make a time limit , where you will come on this date at this time to do the service if they don't choose a better time sooner. (I've had too many people just think I
really don't want to do the work! ) Kids can rake the leaves, clean out the car, sweep the carport or shovel snow, vacuum or dust. For adults, you can host a dinner at your house, or you take the food to them, or a picnic together, or you baby-sit for them.

Gather pine cones and put them in brown paper bags that you draw a picture of a pine cone on, and they are fire starters! Make bags of other kindling you gather, or even take old newspapers, and roll them up and keep them rolled with a rubber band, then cut into the end of one side to make “fringe” and there is another fire starter.

Take old large purses from the thrift store, and make them dolly diaper bags. Make diapers out of old wash cloths and add Velcro, and make other doll clothes even from old socks! Maybe find a doll first at the thrift store, to fit the clothes you will make. The toe of a sock can be panties if you cut leg holes, part of the tube can be a shirt, just cut arm holes, or for long pants, just cut through one end and sew the edges together to make the legs.

Start a stamp collection for a child, or find some old ones for someone who already has a collection.

Make a “kitchen” for a child, with stuff you get from the thrift store.

Make a doll house, out of a sturdy card board box, and make let it be a project that the family finishes. Give them paint and carpet scraps to do their own home decorating.

Anonymous Reader

What great ideas, Anonymous! I loved the little kit ideas. I never would have thought of assembling little kits. The grandma's "toys for visiting kids" was a terrific idea, as was the dollhouse that the recipient can paint and decorate herself.

As for the stamps, Clark and I once collected "cads of currency" by collecting small pieces of money that were printed during the reign of dictators in the 20th Century. Most of them couldn't resist putting their faces on the equivalent of the dollar bill, and you can still get them uncirculated on eBay. (Hitler was an exception, but he did put his face on stamps!) We arranged and framed these collar bills and presented them as a creative gift.

My favorite gives are the home made ones given by friends, family and especially the grandchildren.  I taught preschool and pre-K for a number of years and we always made fun Christmas decorations and ornaments.

Most you can make decorations or ornaments for under five dollars.  With pipe cleaners, popsicle sticks, eyes and a red pom-pom, you have a reindeer.  You glue three popsicle sticks in a triangle, glue the red pom-pom at one of the points.  Glue the eyes on the top stick above the nose.  Glue some pipe cleaners as antlers and you have your reindeer ornament.  You can paint the sticks or leave them plain.

Get a 1000-piece puzzle.  Cut a circle out of cardboard or poster board.  Spray paint it green along with the puzzle pieces.  Glue the pieces on the circle.  Sprinkle with glitter (optional). Do only about three layers.  Get some small red beads and glue as berries (this too is optional) and put a red bow at top.  Glue a red ribbon on back in a loop and you have another ornament.  If for family you can glue a picture to show through the center.

Recycle old Christmas cards. Cut a poster board the size you want your placemat to be.  Make a collage of old Christmas cards and glue them on the poster board. Once dry, cover both sides with clear contact paper, leaving about a quarter inch edge all around to make it leak-proof.  Give as gifts.  Kids love them.  You can also have children draw a Christmas picture on the poster board rather than use cards.  Either way they are fun.

Taking a plate of "goodies" is always appreciated.  The fun is making the cookies and candies yourself or with your family — then watching eyes light up when they are given. 

Get a box of candy canes that have the crooked top.  Glue little eyes, a red pom-pom for nose and pipe cleaner antlers.  These make cute ornaments.  Kids and grown ups alike love to eat them when taking down the tree.

I can't wait to see what others suggest.  I hope I get some good ideas too.  I would rather do homemade any day!

Vicky Wagley
Van, Texas

Thanks for your ideas, Vicky. People always enjoy making Christmas ornaments, and there is no end of creative ways you can do it. Thanks for your instructions for the popsicle stick reindeer! Children would really enjoy a project like that.

I have found myself in that very unsavory situation (no extra money) many times at Christmas.  Now that all my kids are married, I have new avenues for the adults.  Here are some of the things I have done in the past, and for this year:

1. Compiled recipes from several generations to publish a "Family Cookbook" (on my own computer, of course).  Did buy some beautiful three-ring binders and plastic cover sheets.
2. Wrote my life story, again publishing on my home computer.
3. We did a food storage Christmas (and the little kids were thrilled).  In these economic times, buckets of wheat, beans, noodles, and other staples are appreciated more than before.
4. Organized an all-day sleigh riding/tubing party with hot chili and chocolate and s'mores.  In other words, we got beyond the myriads of anticipated presents and just enjoyed each other.  Small things were exchanged.
5. Gave away some gifts we could buy to homeless kids.  In other words, get your eyes off yourselves and onto others.
6. Hit the dollar stores, looking for stocking stuffers.
7. Explained the financial straits — it's amazing how understanding everyone was.
8. Pulled out lots of storage fabric to make quilt tops, then covered old blankets with the tops.  It cost me only the new sheets to cover the backs.  I did this right while the kids were watching me.  I explained I was making quilts for the "poor kids."  They actually began to get envious, thinking I was giving these beauties away.  Imagine their surprise on Christmas morning to open those big packages and find the treasured coverlets!
9. For adult in-law children this year I am doing books of their genealogy.  I've spent hours this year researching literally hundreds of their ancestors that they couldn't identify.  (Even if you don't have that many, consider handing them a book with all that you did have, and the challenge to go out and find more!)
10. One year I did beautiful pedigree charts with colored inks and framed them.  I did them for their spouses too.
11. Thrift stores are amazing.  You can get all sorts of housewares to round out their collections of things for the kitchen or for their emergency camping and survival kits.  We've gotten used cookware, plates and utensils and packaged them in boxes for storage in their garages for emergencies.  You could throw in some new ropes and tarps.
12. For friends with wood-burning stoves, how about cutting some firewood, wrapping it in a big red ribbon and presenting it for their "emergency supply"?
13. One of our daughters has just gotten into baking her own bread.  This year we are giving her the proper kind of flour in a bucket and yeast for the freezer to begin her year's supply of bread.
14. How about a family picture, framed, that you have a neighbor take?  You can get copies made rather inexpensively, but it will be a treasure.
15. Consider a letter stating your testimony or love of country.  Those are the kinds of things that are handed down for generations.

Hope something in here is unique!!

Cheryl North
American Fork, Utah

What great ideas, Cheryl! You've really put a lot of thought into tailoring your gifts to the individual receivers, and that's what makes the gifts such treasures. I've gotten several ideas from your list, and I'm sure many readers will, too.

I was a stay-at-home mom for years and chose to make it on my husband's budget without using the plastic each year.

I clearly remember the year I had spent $65 on the entire Christmas for my family. My neighbor invited me over to see the toy she had purchased for her boy. It was a Star Wars spaceship, and she proudly announced that it had only cost $65. I looked at it in amazement as I had purchased my entire Christmas for that amount.

My sisters and I used to have a bit of a game when we were newlyweds. We were allowed only a dollar per person for a gift, but it was up to us how to make that dollar into a gift. The thrift store, yard sales and craft supplies all were used in different years. Mostly it was the fun of the challenge.

Another tip, drop all the extended family gifts with a short but heartfelt thanks for the years of sharing and explain that it is getting too extended and you want to exchange cards and love.

Challenge your kids with a dollar Christmas. Make it sound like fun and tell them how curious you are to see what they will come up with. Give them the responsibility of making Christmas fun.

Parents often need you more than they need another bottle of perfume to tuck away unused. Last summer my daughter and her husband gave us a tree trimming for our birthdays. How we appreciated it! We made a picnic and had a great day.

Do you need to supply gifts for people at work? Homemade cookies or bread are always appreciated by others. A pan of cinnamon rolls is more appreciated than anything else I could imagine.

One year my college-aged son did his entire Christmas shopping at the thrift store. He was amazing. He had found something special for every person in the family with a little creative thinking. We laughed and enjoyed it all. Of all the Christmases and gifts in the past ten years, that is the only one I recall.

Crafts can be beautiful and still not cost much. As a teacher I have to come up with something. We have decorated soap by waxing the top, made rice crispy treats or candy — whatever I could come up with. I think waxing soap is the best. I'll put directions down below.

The most wonderful gift we give each year goes in a special stocking labeled Christmas Love . In the sock each child writes notes to other members of the family telling them why they are loved and appreciated. Everyone looks forward to this one and spends a week or two before Christmas getting it together. After the gifts are unwrapped and the family is ready to settle down to the glow of the aftermath, we sit together and dad passes out the letters. That is a favorite and takes a bit of the “gimme gimme” out of the day.

Lastly, keep a plate of cookies or rolls wrapped and in the freezer to give to someone at the last minute who drops by. You'll feel prepared and at ease knowing you are ready for visitors. No one drops by? You'll have cookies ready for the next visiting teacher or attach a note and leave it on a neighbor's door step the day after Christmas.

You can have a wonderful Christmas for a minimum outlay of money. Priceless is the feeling of staying out of debt and having your family pull together.

Waxed Soap

Supplies:

Directions

Once you get started it doesn't take much time. Expect an afternoon from beginning to end, and do at least a dozen. They work for friends, teachers, grandparents and more. You'll be pleasantly surprised at how elegant they are. It'll look like you spent a fortune and instead you bought the bargain bundle. Ivory is my personal favorite. Dove looks elegant. I am sure you'll find a perfect soap.

Debrah Roundy
Rupert, Idaho

Thanks for the instructions for your soap, Debrah. This is another project children will enjoy helping create.

I really liked your Christmas Love stocking, as well as the idea of trimming a Christmas tree for your parents and turning it into a picnic. As an old person myself, this sounds like such a good idea to me that I only wish I had reproduced so I'd have children to do it for me. Rats! I knew I'd regret being childless one day!

Here are some more great suggestions:

I've done this most of our married lives. This year the shoestring is shorter than normal.

1. My sister-in-law gave me some material (quite a lot) in the summer.  I'm sewing dresses and other clothes for all my grandchildren (11 in all).
2. For neighbors I pull from my canning shelves.  I harvested crabapples from the trees at our church and made juice.  Now I will make crabapple jelly for neighbors and friends.
3. Another present I have made is from the herbs that I grow.  I make lavender sachets or I dry oregano or thyme or parsley and give them as gifts.
4. I'll probably send many more e-Christmas cards this year too.
5. I always bake treats also for friends and neighbors.

Mrs. Romney in Murray, Utah

How ingenious to harvest crabapples from the trees at church and actually do something with them, Mrs. Romney! I once lived in a ward that had crabapple trees rimming the parking lot, and the crabapples only fell on the ground, got squashed by the cars, and rotted. It's great to know that fruit that doesn't have a specific owner can still be put to use.

A gift that cost practically nothing that I received from a grandchild was a coupon book written on notebook paper. It had simple things like carrying my music stand upstairs, vacuuming my bedroom, and so on. There are services that many need and cost nothing but your time or effort. It could be a favorite meal, birthday cake, a day shopping, a day at the zoo or something you know someone would enjoy. You are giving of yourself, and isn't that what serving and being like the Savior is all about?

Sister Violet Reck
Arkansas Little Rock Mission

What a great idea, Sister Reck! I think being taken to the zoo would be a gift a person would long remember. Oh, to see the pandas!

One note — if you get coupon books, be sure to redeem the coupons. And if you give them, make sure to insist that the coupons be redeemed. If the coupons aren't redeemed, the gift is wasted. If they are redeemed, they could perform real services and (even more important) make memories for the giver and the receiver.

Our next reader asks a pertinent question before giving advice:

I guess the question to ask before proceeding with your gift planning is, what are your talents?

If you knit or crochet give hats or scarves.

If you sew or craft, there is a myriad of projects.

Perhaps you have a skill and can give a gift certificate for lessons.

Maybe you are a good organizer and can give a gift certificate to organize a drawer or closet.

You can give an IOU or gift certificate for anything you're good at:

• getting stains out
• ironing
• typing
• addressing Christmas cards (good handwriting)
• cleaning out someone's garage
• massages
• personal trainer (you'll make them go on long walks with you or do an exercise video with them)
• They can buy the groceries but you'll cook for a special family dinner for them or a catered "date night" dinner.
• babysitting
• You'll let their houseguests stay at your home if they're having a big crowd.
• You'll wash, wax and vacuum their car.
• You'll wash their dog or walk it.
• You'll write a personal children's book for their child.

Look at your talents and work from there!

Sandee from Florida

You've got some great suggestions, Sandee. If we start with our own talents, we're a lot more likely to give people things they want. Thanks for bringing it up.

I don't know if Baltimore has a Costco Store.  But online you can do a calendar through their photo department. 

We have done a family calendar for the past three years, and everyone loves it.  We use pictures from our digital camera and send the pictures to Costco through the web.  The cover pictures for each month consist of 12 choice pictures that we have taken during the year of family events.  Then on the date of everyone's birthday, we place a picture of the birthday person.  The calendars are inexpensive, and Costco mails us the box of calendars.  The cost is about ten dollars per calendar.

If this is still not "shoestring" enough; then make up your own with cardstock, a hole punch, metal rings from craft store, selected pictures, and a photo copy machine.

Coleen in Idaho

That's a great idea, Coleen. Clark has given me a similar calendar every year for the past two years. I'm hoping to get a third one for Christmas this year. A calendar of personal photographs gives a year full of pleasure.

Read on for another way to make Christmas memories:

Our family has always had Christmas on a shoestring, and this year is no exception. Yet, every year, we never fail to create new memories with friends and families. Years later, I will still hear from them, "Remember the year when you made us....? It's still in my entryway and never fails to take everyone's breath away when they walk in the door." This, of course, has brought me the greatest joy — knowing that our pennies spent and minutes of creating helped another home have the Spirit dwell there.

Every year for Christmas, as a tradition, our family celebrates a country of our ancestors. We research that country's traditions, then start scheduling them for ourselves, including caroling, food and when Santa delivers the goods! We make decorations our ancestors made, (inter-mixed with our traditional American decorations, of course), learn "Merry Christmas" and "Welcome" in that language, and then have a dinner party.

At the dinner party we serve their traditional recipes, having other families bring one of the dishes. We invite over three or four families in the neighborhood that we don't know very well and would like to get to know better. After dinner, we present them with our homemade gifts (of course, taking them all by surprise). It is always a calendar picture, torn around the edges, then decoupaged to a 12"x12" piece of painted wood. It is always of the Savior, but a different picture for each family. After the gifts are opened, we then sit around the piano and sing a couple of songs for these new friends, sending them off on a note (pardon the pun) of reverence and love. 

Jenny McKinney
Rainier, Washington

What a great idea, Jenny! Your traditional international celebration sounds terrific. This is something that could awaken a real interest in family history for your children. And it's neat that you're inviting people you don't know well to share the Christmas celebration.

Here's my recipe for a Christmas on a shoestring:   First you find containers (baskets, tins, mason jars, Christmas glasses, and so on) and then you fill them up.  Start looking for the containers at home and then graduate to the dollar store. 

For adult friends, food items with a recipe attached make a nice remembrance.  A favorite is microwaved caramel corn in a basket.  Popcorn is cheap, so this is an inexpensive recipe that everyone loves.  You can also do "cheese popcorn" by using the cheese packet from store brand mac and cheese sprinkled over buttered popcorn (and then use the macaroni in soup).

Put the "dry ingredients" from a favorite cookie recipe in a bag in a mug (with the recipe included, of course) or put any of the make-a-mix recipes for hot chocolate or Russian tea in a mug for a warm winter remembrance. 

Bath salts can be made from Epson salt (very inexpensive) with essential oil fragrances added.  (Look online for the recipe) 

A favorite for missionaries is a tin of M&Ms with an angel ornament attached with the scripture Psalms 91:11 "For he shall give his angels charge over thee, to keep thee in all thy ways." 

Favorite scriptures make a lovely, thoughtful addition to any homemade gift.

If you remember your crocheting lessons from Merrie Miss classes, you can make fun hats for teens and children in very little time with less than a skein of yarn.  Funny snowboarding hats with ear flaps are very easy to do in bright colors.  For adult women, hooded scarves are easy and unique enough to be well appreciated.  Just make a very long scarf, fold it in half midway and stitch down 7 or 8 " for the hood part. Then add a tassel at the crown. (Both of these patterns are available free online at yarn company sites such as http://www.lionbrand.com/.)

Stocking stuffers for children (and grownups) can be picked up at the dollar store. You will be pleasantly surprised if you now checked out this fun source.

The Church Distribution Center is also a great resource for music, prints to be framed (with dollar store frames), as well as movies and always scriptures.  If a teen is studying a foreign language at school, order him a paperback copy of the Book of Mormon or hymn book in that language.  And of course there are never any shipping charges from the distribution center.  

Remember the reason for the season, give gifts of love and appreciation and have fun while you spend time preparing for a very special Christmas.

A Reader from Somewhere

I can predict that lots of boxes of mac and cheese are going to be purchased to make cheese popcorn this Christmas, Somewhere. Thanks for that and all your other suggestions!

Two quick ideas I've either heard about or done myself that might help your reader.  One year I contacted all of my dad's sisters, cousins, friends from high school, and current friends, and had them write memories they had of him.  I then compiled them in a scrapbook with pictures from his life.  It was a simple binder with page protectors.  He loved it and looked at it over and over and was thrilled to read all the things people remembered. 

Another sister in my ward said she and her husband were so broke as newlyweds they decided the only gifts they would give outside of their children's gifts was a CD of all their family photos for the year.  She said it has turned into one of the extended family's favorite gifts and they get so excited to see it every year. 

Jen in Texas

Thanks for two excellent ideas, Jen. The scrapbook for your father sounds like a priceless gift. Things like that can't be bought with money.

We have one more letter for today. Here it is:

I too have been in your shoes.  Although these ideas are not original, they still work well and people appreciate them.

1) Cookies (or any other treat that you like to make) just make them early in the season, as soon as possible now.  That way your treats come at a time that your recipients are not overloaded with goodies from everyone else.

2) Mixes (I have received jars of mixes for soups, cookies, and other things, and really appreciated them.) Layer the ingredients in a jar, put on a label with instructions on how to use the mix, attach a personal note, tie on a ribbon, and voilà — a great gift!

3) Coupons or Gift Certificates  (This is my personal favorite and one we use for immediate family members all the time.)

Take some time to really think about the person who is going to receive this gift. What are his likes and dislikes? 

• If people enjoy socializing, you can give them a gift certificate that says you will buy the root beer, make the pizzas, and help with clean-up for a party of six.  Put on the certificate that they have to schedule in advance.
• If they enjoy a massage, you can give them a certificate for a specific amount of time you will spend giving them a back-rub.
• If they really dislike a certain household chore, you can give them a certificate that says you will do it for them. (Be sure to be very specific on the certificate about how many times this can be used and how far in advance it needs to be scheduled.) 
• If they love a certain dish that you make, you can give them a certificate that says you will make it just for them. (You may need to make another batch for the family at the same time.) 
• If you know when a movie that they really want to see is coming out on video you can give them a "movie night" certificate. You will rent the video, pop the popcorn and buy some movie candy. 
• The possibilities with certificates are endless. Just think about the person for awhile and their personalities will dictate what you give.

I have teenagers now, so these ideas are geared toward my family's needs. But when my kids were little, just a trip to the dollar store was a thrill to them — to know that here was a whole store and they could have any one thing that they chose was very exciting.

Good luck, Broke in Baltimore . Just remember people love you for who you are and not for what you give them.

Been There and Done That in Arizona

You've got some great ideas, Done That. There are a lot of people who are going to be able to use your ideas as a springboard to create their own individualized Christmas gifts. Thanks so much for writing!

Okay, readers, we've got some great ideas so far. Look for some more ideas next Monday.

Until next time — Kathy