Funding your Future: How to cut back on spending when it comes to holiday gifts

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7 ways to cut down on holiday gift giving:
Set a realistic budget, and then figure out how to stay within it.

Talk to your significant other about alternatives.

Suggest to relatives and friends that you end or limit gift exchanges.

Coordinate gift-giving for kids with other friends and relatives.

Opt out of office gift exchanges. Bake cookies for co-workers or write each a note about what you appreciate.

Ask your relatives if they would prefer alternatives to gifts.

Bring edible gifts to parties.

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