The holidays are still months away, but here at Consumer Reports, we're already thinking ahead. In particular, we're interested in what types of homemade items budget-minded readers are planning to give to friends, colleagues, and family, and to service providers in lieu of cash holiday tips.

What's the best homemade gift you've given as an adult? What's the best one you've received? And what homemade gifts and/or tips are you considering giving this year?

Comment below. We'd love to know.

And if you're more concerned this year about your finances, now's the time to create a holiday budget. Planning this far in advance  allows you avoid overspending at crunch time. In a recent Consumer Reports Money Adviser, we reviewed several popular budgeting software products and services to get you started. And click here for additional advice on budgeting.–Tobie Stanger