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Does Spending Time with Family and Friends Have to Mean Spending Money?

There’s nothing better than spending time with those you love. Or is there? Often, getting together means expensive meals and outings, gifts and other costs that you’d rather not think about.

Holiday-friends

Before gathering with friends and family, speak with them openly about what you can and can’t afford, and offer attractive alternative options. For example, instead of everyone bringing a gift for everyone else, try a grab-bag, or a joint gift where everyone chips in to buy one group present for each person.