Holiday spending often tests even the most dedicated household budget.

How can you maximize your gift giving while saving at the same time? A few locations on the World Wide Web offer an array of useful suggestions.

If your budget is a little tighter this year than in the past, you may want to consult one of the following Web sites.

• Everything Christmas

www.everythingchristmas.com/story/financialgrinch.asp

It provides an article that offers tips on developing an effective holiday shopping budget.

• Consumer Federation of America

www.consumerfed.org/111802-holidayspendingpr.html

The site features a holiday spending poll and quick list of holiday spending tips.

• Bankrate.com

www.bankrate.com/brm/news/pf/20011205a.asp

It lists 18 suggestions for saving on holiday gifts.

• Organizetips.com

www.organizetips.com/holiday4.html

It provides money-saving suggestions on gift giving.