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Okay, if that last item seems like a bit of a record scratch moment, think about it.
Thats an extra gift right there).
The white elephant parties at the office.
And the decor, since the house isnt going to turn into a winter wonderland through magic.
Does that sound like its taking some of the fun out of the holiday?
Perhaps you have to think about it in more basic, even stark terms.
This approach doesnt mean you have to be a Scrooge far from it.
After all, you dont want to be still in debt from Christmas by Memorial Day.
Not as much as you might think, according to Lynch.
But Lynch wants you to take a deep breath and get strategic.
Giving the gift of time or a helping hand is often more memorable and useful than the latest iPhone.
And aclean financial recordmay be the greatest gift you might give yourself.
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