Can We Just Skip Gift Cards This Christmas?

I haven’t done any of my holiday shopping at this point, but I’m going to declare a new theory of relative proportion at Your Smart Money Moves today.    My theory is that the amount of gift cards you buy from stores increases with direction proportion to the number of days you are away from Christmas Day.    Let me explain.   If you are truly a good planner, some of you have been shopping for gifts during the course of the entire year.    You may have used the game plan of going shopping on Black Friday or Cyber Monday with a complete naughty and nice list of what presents you were going to get for each person in your family.  There’s a group of you that either this week or the next will lug yourself to the indoor and outdoor malls to pick up all the holiday presents.   As each day looms closer to the actual day or Christmas, it creeps up ...

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