Now that the holidays are approaching, I often see clients, through e-mail, telecounseling, or in person, who express feeling stressed over the expectations regarding gift giving. Given our unstable economy, many people complain of their dilemma regarding their desire to be generous yet fearful of getting further in debt. It is for this reason, that I have compiled this list of things you can do over the holidays, which will bring joy and happiness to your loved ones, yet be very cost effective....