51. Save $500 per year Reduce end-of year spending

To reduce Christmas expenses, suggest to your family that everyone just exchange names and buy one gift this year.
My family does this. For adults its fine. For the kids, we still each buy them a gift, but we dont buy presents for each and every adult any more.

Everyone is getting married now, and our family is growing more quickly than our budgets!

Holidays are more about spending time together anyway. Who really needs or wants all that stuff?

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