Sometimes, when you want to get presents for those you love, the holidays can be a daunting time of the year, especially when you’re looking to pay off ghosts from your past that haunt you in the form of interest rates.  I am certainly in quite the self-dug hole, but I was wondering if anybody had any advice on how to get presents for people without breaking the bank?

In any case, happy holidays to whomever reads this.  I pray that your season is shining brightly for you.