Haven’t finished your holiday shopping yet? You’re not alone. The Consumer Technology Association (CTA) found 1/3 of U.S. adult holiday shoppers (34 percent) say they’ve still got a lot more shopping ...
3 rules: pick a useful item (no filler), use a small box (not an envelope), add a 1–2 sentence note It stops last-minute overspending, and you keep 80–90% of the budget on the gift card Last-minute ...
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