Buy yourself a gift card. When your favorite restaurant or grocery store has specials on gift cards (ie purchase a $50 gift card get a $5 gift card free) purchase them for yourself. If you shop there anyways, you know that you will use it plus you get an extra $5
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If you have a credit card that gives you rewards such as gift cards for accumulated points, save them all up until December then cash them in. I have done this the last couple of years and gave the gift cards as presents or got them for myself then purchased Christmas presents at the store using the gift card.
The best thing about this is that no one will ever know!
There is many websites that sell discounted Gift cards. And some companies offer discounts if you buy a Gift card from them. So first buy the GC then shop, preferably at a sale. You save twice. Do a search for Discounted Gift cards, and make sure the company reputable first.
I have a credit card that gives points for dollars spent. You redeem your points for gift cards. I pay the entire bill every month (no interest for me!) At Christmas, or other gift giving holidays I use my points towards gift cards. Free presents!
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