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    There`s still time to shop. You`re susceptible to a spending frenzy that could blow your credit limit out of the water. There`s a dollar amount that you need to remember. Chant it like a silent mantra until you and your charge cards are out of the danger zone. Affordability is a big part of inspired gift giving. The people who matter will still love you -- you don`t need to show off. Natural products and unforced events hold the best value and highest satisfaction. Be good now, and maybe you`ll have a little something left over for being bad later.

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