6 Money-Saving Tips From America's Cheapest Family

"Make a list for everybody you need to buy for, and set a budget. Pick a dollar amount, and shop for that," Annette says. "Even if you don't hit the nail on the head every single time, you'll come close to your budget simply by writing it down."

Steve adds that early shoppers save big. "We shop all year long," he says. "In January, when there are discounts on the holiday items, that's when we start shopping for the next year. The earlier you start, the more bargains you'll find."