If you want to give yourself and your family a real gift this holiday season, spend less.
Buy fewer gifts. Limit your outlay. Keep your financial head about you while others are losing theirs, and then turn the changed behavior into its own gift.
Consider me a humbug if you must, but this is about holidays past, present and future. If you learn from previous experience and can alter your precedents, you can make what lies ahead better.
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