Holiday Tip of the Day: Be Intentional About Giving.

Decide now who will be on your gift list. Determine whether or not you will give gifts to teachers, co-workers, extended family and neighbors. Set a budget for this giving so that you have a plan that fits within your allowance.

And, if you really don’t want to be part of school, work or family exchanges, politely and firmly decline. That is perfectly acceptable! No one else needs to dictate what is financially best for your family.

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