Today we're going to talk about holiday gifts. Now listen, I am not one of those people that starts counting down the weeks 'til Christmas while it's still flip-flop weather. I don't want anyone to hand me a Pumpkin Spice Anything for another month. In fact, coming from a retail background where Christmas started in October, I now firmly believe in celebrating Christmas starting in December. I do believe, though, in planning for holiday gift giving starting now. If you start thinking about holiday gift giving early on, you can save between 50-75% of what the typical American spends. Yes, for real. Again, just like last time , I want you to think about holiday expenses on an annual basis , and not on a per-gift basis . And how much does the average American spend on holiday gifts? That would be slightly over $900. Does that sound excessive? Add up: Who you're buying for and what you plan on spending. Now add those things you buy for yoursel
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