How to Recover from a Holiday Shopping Binge

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When my husband and I were just married (and beyond broke), we only bought very small presents for each other and some presents for my mom that were within our budget.  However, when we got home for Christmas, my mom was beaming with pride as she showed us the many presents she had under the tree for us. Embarrassed by our small number of gifts for her, we went out shopping on Christmas Eve to give...

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