DEAR HARRIETTE: I am a reformed shopaholic, and I've made huge strides this year to curb my endless spending tendencies. I have even been able to save a significant amount of money. But as we get deeper into the holiday season, I'm facing a dilemma. Gift-giving is huge in my family, and I tend to splurge during the holidays.
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I haven't begun shopping yet because once I start swiping my card, it's hard to stop. I'm torn between keeping up my savings progress and continuing the tradition of being a thoughtful gift-giver. Any tips on finding a happy middle ground? -- Afraid To Start
DEAR AFRAID TO START: Consider giving your family members things that do not require you to go into a store or onto a website. Let your loved ones know that you are mixing it up and doing the holidays differently. Limit your giving to something you can “shop” for in your own closet. Give a gift certificate that offers time with you doing something meaningful -- taking a walk together when the weather gets warm, enjoying a home-cooked meal together, going to an art opening, etc. Give stocks. Talk to your financial adviser and get a recommendation for a financial gift that can be modest in price but a great incentive to inspire your special people to invest in their future.