If there's any time of the year that's good for saving money . . . THIS is NOT it.  A lot of people are already stressing over money for holiday gifts and events . . . and there's no easy solution.

But a guest on Fox News shared some holiday money-saving advice:  DON'T BUY GIFTS FOR GRANDMA.

She's a financial coach named Jade Warshaw, and she urged shoppers to "budget, budget, budget" and added, "Remember:  Adults don't need gifts.  Focus on the people in your life who are ages three to 18 . . .

"Grandma doesn't need slippers.  If they don't live by you, don't get them a gift.  Now's not the time to spend and break the bank . . . sending packages across the country."