Optimal Finance Daily · Sunday, September 27, 2026
Carrie Smith, writing for PT Money, suggests six strategies for giving memorable gifts without incurring debt. She emphasizes fulfilling needs with practical items, offering time and experiences instead of expensive goods, spending wisely to have more disposable income, and choosing gifts that are useful and long-lasting. Smith also advises on the power of unexpected, small gestures like gift cards or e-cards as impactful ways to show care.
“When you're part of a big family like I am, it's hard not to come under peer pressure to spend a lot of money on gifts.”
“Don't underestimate the power of giving practical gifts.”
“Time is more valuable than money. You can get more money, but you cannot get more time.”