🎁 Smart & Affordable Gift-Giving The biggest expense is often presents. Minimize this with clever strategies: Implement a Secret Santa/Kris Kringle: Suggest to your friendship group or extended family that you switch to Secret Santa. Set a firm, low budget (e.g., £10, £15, or $20) and focus on one thoughtful gift for one person, rather than ten small ones for everyone. Go Homemade or Experiential: Gifts of time or skill show effort without breaking the bank. DIY Gifts: Ba
