The tree is decorated but no gifts under it yet. Our family has decided to have an exchange gift instead of the usual gift giving. Cost-cutting in a very subtle manner ;) This is something I have been advocating for a long time. The family is growing and each of us has some financial challenges coming his way. The more matured ones have resisted for as long as I can remember but perhaps now everybody is ready to spend less and be more creative in gift giving. Besides as they say it's not the price tag but the thought.
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