Make a list. Check it twice… and three times… and more.

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Ask yourself this question. If I didn’t buy a gift… would it really matter? Once you do that, then go back through the list and decide who can get a “budget” gift (something less expensive or, better yet, handmade). And there’s nothing wrong with gift cards. It pre-sets your spending. This way you can make the most out of your money rather than regret what you spent in January.

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