If you’re shopping for someone who’s serious about budgeting, saving, or building wealth, this year is the perfect opportunity to give a gift that actually supports their financial freedom. Instead of last-minute impulse gifts, you can give resources, tools, and investments that make their life easier — and help them move closer to their goals.
🎁 Budget-Friendly Financial Freedom Gifts (Under $10)
These small-but-mighty gifts are perfect stocking stuffers and genuinely help someone stay organized and motivated.
⭐ Paper By Moe Favorites (Under $10)
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Cash Slip Printables – perfect for anyone starting cash budgeting, helps with getting money from the bank.
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Bill Tracker Sheets – ideal for beginners or those resetting their budget and looking to know all of their numbers and expenses.
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Gratitude Journal Sheets– printable affirmations to keep motivation strong.
- 2026 BINGO Goal Tracker Challenge - printable 12 goal tracker for 2026
(All available at PaperByMoe.com in the Printables section.)
Other Gift Ideas Under $10
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Gratitude or money mindset notebook – Dollar Tree or Amazon.
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Motivational stickers – Etsy or Amazon.
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Finance-themed pens – Amazon or Etsy.
🎁 Purposeful Gifts for Budgeters ($10–$30)
⭐ Paper By Moe Best-Sellers in This Price Range
Other Useful Gifts ($10–$30)
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Personal finance books – local Book Store or Amazon (“I Will Teach You to Be Rich,” “Broke Millennial,” etc.).
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One-month subscription to a budgeting app – YNAB, EveryDollar, or Monarch.
🎁 Higher-Impact Gifts for Long-Term Growth ($30–$75)
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Wholesale club membership – Costco, Sam’s, BJ’s.
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Financial course voucher – Udemy or Coursera.
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Grocery or gas gift cards – local grocery store, gas stations, or Costco.
🎁 Wealth-Building Gifts That Truly Change Lives ($75–$200)
These are powerful, meaningful options for someone deeply committed to improving their finances.
⭐ Paper By Moe
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The 2026 Financial Foundation Plan (coming soon!) – the perfect personalized gift for anyone needing a reset or expert guidance.
Other Gift Ideas ($75–$200)
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Investment or retirement course – Choose FI, Udemy, or Ramit Sethi.
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Annual subscription to a budgeting software – YNAB, Monarch Money, Tiller Money.
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Professional organizing or decluttering session – Thumbtack.
🎁 Transformational Gifts ($200+)
These are long-term gifts that build generational wealth.
✔ Funding a 529 College Savings Contribution (detailed steps below)
✔ Opening or funding a brokerage account
✔ Paying for multiple financial coaching sessions
✔ Contributing toward debt payoff or emergency savings (if requested)
🎓 How to Gift to a 529 Plan (Perfect $50–$250+ Gift)
A 529 plan is a tax-advantaged education savings account. Here’s how to give it properly:
Step 1 – Ask the parent or account owner
Say:
“I’d love to contribute to your child’s 529 as a Christmas gift. Can you share the gifting instructions from your plan?”
They’ll give you:
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A link
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Contribution code
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Mailing address
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Or a gifting portal
Step 2 – Send your contribution
You can:
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Transfer electronically (most common)
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Mail a check
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Use a gifting portal (many plans have this now)
Step 3 – Follow up yearly
A 529 contribution can become a holiday tradition — even $50 a year grows immensely.
📈 How to Gift to a Brokerage Account (another big-impact gift)
This can be done for adults or kids.
For adults:
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Ask for deposit instructions.
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Send funds via ACH, check, or wire.
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They choose the investment (you avoid giving formal financial advice).
For minors:
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Ask the parent/custodian to open a UGMA/UTMA or Custodial Roth IRA (if they have earned income).
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You gift funds; they invest on the child’s behalf.
🎄 Meaningful Gifts That Cost Nothing
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Help them review their budget.
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Spend a day decluttering and listing items to sell.
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Start a weekly financial accountability call together.
These deepen connection without adding financial burdens.
🎁 How to Present a Financial Gift (the fun part!)
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A handwritten note
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A photo of the 529/brokerage confirmation
People LOVE when financial gifts are made physical.
💬 Final Thoughts — Give Gifts That Build Freedom
The best Christmas gifts aren’t the most expensive. They’re the most meaningful. Whether you’re gifting a $5 printable, a $50 investment, or a $250 529 contribution, you’re giving someone tools that make their life easier — and their goals achievable.
If you want to help someone start 2026 prepared, organized, and motivated…
👉 Visit PaperByMoe.com
Shop printables, planners, financial tools, and the Last Quarter Challenge.
And remember:
We give gifts that matter because financial freedom is the best gift of all.