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Do you buy the gifts in advance? Do you have a budget for each present or as a whole?
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$0. because "covid"
since businesses and gov used "covid" as an excuse for almost everything to freeze wages, delay handover etc, i too used "covid" as excuse. lol
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Bought all the christmas gifts on Black Friday & Cyber Monday to cash in on all the super duper deals. The trick is that the budget remains the same as previous years because of the amazing price slashes :)