3 rules: pick a useful item (no filler), use a small box (not an envelope), add a 1–2 sentence note It stops last-minute overspending, and you keep 80–90% of the budget on the gift card Last-minute ...

"Hearst Magazines and Yahoo may earn commission or revenue on some items through these links." As a kid, we always wanted to open the biggest boxes first come holiday time. Yet as we have gotten older ...