1. Shop smart.
You know you have to limit your holiday spending, but you want to be generous with gifts. After all, it's a good chance to
show the people you love how much you care. Even if that perfect gift costs more than you can afford, you think, What the
heck, it's the holidays, right? Then, you suffer shopper's remorse when the bills come rolling in. This year, prevent a spending
hangover before it starts. These smart moves can help you save and still get into the spirit.
Next2. Make and use a gift list.
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