5 ways to create more memories — and not more debt — this holiday

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5 ways to create more memories — and not more debt — this holiday
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Who knew ketchup could be the perfect gift?

The official holiday shopping season kicks off with Black Friday and Cyber Monday, when more than 165 million people are expected to bag holiday gifts for everyone on their lists

And the festive-yet-frugal thread is full of ideas for giving without going broke. Here’s five of the most creative. For example, one person noted that their grandfather couldn’t afford presents one year, so he wrote a letter to his wife and three daughters describing what he finds beautiful and special about each of them. “Meant more than any expensive gift could ever mean,” the person wrote. And research shows that sharing an experience with someone can make them happier in the long run over giving them something like a purse or smartphone.Try a Secret Santa swap.

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