People you love would be ashamed to know you overextended yourself to give them a gift that isn't affordable. And for all the other people in your life you don't deeply care about, a gift is not necessary. A heartfelt note is all that is necessary.
Suze Orman is a award winning certified financial planner and author of several books including 'The Road to Wealth'. She went from being a waitress at age 30, making $400 a month, to now having her own TV show and a net worth of $30 million dollars.