Christmas is coming like a slow beast with bells attached, spewing tinsel and candy canes and feeding on crisp green paper bills. Don’t worry if you don’t have enough cash. The beast doesn’t mind credit card debt. Don’t try to hide. He will hear the jingling change in your pocket and will not disappear until Christmas day.

If you have the cash, go ahead and feed it. Someone has to. But if you find yourself with empty pockets and you’re sinking into a pool of debt, you can still fight it. Don’t give up. Use these cash-free Christmas savers to defeat the financial beast.

Frame old photos or memorabilia for Christmas gifts.

There is nothing quite as touching as an old photograph. If you can find a meaningful photograph, you can put it into almost any frame and charm the recipient. You can find reasonably priced frames at the Goodwill or TJ Maxx, or Marshalls. You can also find them in your attic. You can frame things other than pictures, like articles that mark a person’s achievements, or medals. You can even reframe old photos for people that are extremely close to you when the photo is obviously in need of a new frame.