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Holiday gift-giving can be stressful even when money’s not an issue. How do you pick the right gift for each person? How do you find something for everyone, (including your in-law’s partner who you see exactly once a year) — something they’ll actually like and not something that just checks the box?

Throw a tricky financial situation into the mix and you’d expect it to get a whole lot worse. But, as I discovered a couple of years ago, having zero cash to spare can actually simplify things.

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