GIVE THE GIFT OF FINANCIAL WELL-BEING

Who really needs another tie, picture frame or video game for the holidays? This year, give the people on your list a gift they really can use -- a sense of financial security.

We know what you're thinking: Financial gifts? They're about as exciting as year-old fruitcake. But stick with us. We've come up with eight creative ideas kids and adults can actually appreciate. These gifts will improve your loved ones' money-management skills, safeguard their finances -- even entertain them.

The best part: All of our picks cost less than $50. Take a look (use the navigation at your right):