Hi Taylor: Trying to get ahead of the holiday gift problems that always seem to catch me off-guard. Family presents are fine, it’s all those work exchanges and social gatherings where I seem to spend money I don’t have. Any advice?

Hey Roxanne: I feel your pain. As a guy who prides himself on being generous, it can be pretty frustrating to feel like your generosity is getting spread too thin. All those Secret Santas and White Elephant exchanges and all the rest of them, make you feel like everyone’s begging for a present. If you want to stay involved without breaking the bank, here are a few ideas.

Taylor Kovar is CEO of Kovar Capital. Read more about him at GoFarWithKovar.com.

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