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Are you ready for the holidays? Searching for the perfect gifts for friends and family can be fun and exciting, but it can also be stressful. Especially when money is tight, it’s a challenge to shop for just the right gifts for your loved ones and BFFs. But with a bit of planning, holiday shopping can be just as fun as ever — without clearing out your bank account or piling on credit card debt. Smart holiday shopping starts with a clear strategy — so get out your tablet or notebook and get started ASAP. 1. Create a budget Knowing […]