A great way to save money on flowers is to buy flats of flowers and make your own hanging baskets. This can save 50% on cost.

Let’s take a scenario and say a family of four is making under $160,000 AGI. This means that $5,600 ($1,400 per person) will be sent out.

I had a surgery estimated to cost $10,000 and after my research was complete, I switched to a new medical facility and saved $9,000.

Here's's a great way to save some money, and that is to save the boxes, bags and bows and so on, rather than throwing them away.