Tagged With twocents

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Most people have purchased things that they later 'guilted' themselves for buying. Or maybe something that seemed like a solid investment at the time quickly tumbled in value. (Commiserations, crypto bros.) If this all feels painfully familiar, here's how to free yourself from buyer regret.

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My dad and I are about as different as two people can be when one formed the life experiences and personality of the other for 18 years: He's a Midwestern lawyer who lives for Michigan football, and I'm a know-it-all East Coast transplant who's a proud University of Michigan graduate but enjoys tailgating more than the actual game.

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Socks are the go-to example of a bad holiday gift from an uncaring gifter (or a relative who doesn't really know you), but that's an unwarranted reputation, if you ask me. If you're in a cold weather climate, you wear thick ones every day, but chances are you don't have 10 or 15 or even seven pairs to last you through a laundry cycle. If you have an office job, you need a lot of dress socks, and if you're an athlete you may need specialty socks (I recently purchased cushioned running socks and they changed my life, or at least my feet). The list goes on. And all those socks don't come cheap.

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The stretch from November to January is so festive, so cheerful - and so expensive. There are the gifts for your family and friends, new outfits for dinners and parties, booze and food for your own shindigs, airfare or petrol, holiday cards... the list goes on. In my house, at least, the late-January credit bills always bring a horrified reckoning and promises to do better next year.

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Believe it or not, it's time to start saving for the holidays. Gifts, travel, parties -- these expenses creep up on you fast, so you want to prepare as soon as you can (and that means now). To help you save, this month we're challenging you to cut back on a common splurge: Restaurants.