The Birthday-Christmas Combined Gift Dilemma

My birthday falls within a few weeks of Christmas, so for most of my childhood I’ve gotten a combined birthday-Christmas present (in high school, my parents started giving me monetary gifts).

XmasPresents1 300x106 The Birthday Christmas Combined Gift Dilemma

When CB and I got together, I told him that I wanted separate birthday and Christmas presents -  I love to have multiple boxes or bags to open. So, CB gives me separate presents, every year.

Great presents do not a great relationship make. But I think as in all interpersonal relationships, what gestures represent speaks volumes. People certainly shouldn’t go into debt for gift-giving or demand a case of champagne on a beer budget, but the thought behind presents matters and the effort put into selecting or making a present matters.

I don’t really care how much CB spends on my gifts (and the costs vary – one year, I got a pearl pendant. Another year, a sweatshirt), but the fact that he cares enough about giving me separate presents because they were important to me matters a whole lot.

So, to everyone whose birthdays fall closely to Christmas – do you get / want separate presents? I can’t be the only one who wants distinct presents for distinct occasions, right?

Can You Live On An All-Cash System?

And give up credit cards forever?

Like many Americans, I use credit cards for most of my purchases. Credit cards are a helpful financial tool for me because of these benefits:

  • Reward points (I use mine to get Sephora gift cards)
  • Ease of online banking / record of purchases
  • Fraud protection, especially in large / online purchases

However, with the new consumer protection bill passed in May, will credit cards become less attractive to consumers?

Right now, no-fee cards are common, especially for consumers with solid credit background. But if credit cards start charging an annual fee, I would definitely reconsider my decision to use credit cards. After all, every time I use my card, the merchant will pay 1%-2% of the total purchase price to a credit card company. Even though I don’t carry a balance, credit card companies still make money off of my card use.

I may have to live with reduced rewards points (although I hope not!), but my selfish hope is that credit card companies continue to offer no fee cards for consumers. Although a credit card-free existence works for some bloggers (Brad of Enemy of Debt, for example), giving up credit cards for good will be very difficult for me. I hate carrying cash – it is unhygienic, difficult to keep track of, and easy to lose. I don’t think I’ve had any cash in my wallet for over a month.

Can you / do you live on an all-cash system? Can you give up credit cards for good?

***I’m mentioned in the Carnival of Personal Finance #233 hosted by A Gai Shan Life.

2009 Goals Update: The Weird Thing Is

…that even though I was laid off a few months ago, I have accomplished most of the monetary goals I’ve set out in December of 2008 (and my follow-up goal made in January 2009).

1. Max out Roth IRA: $5,000 – Done.
2. Contribute to 401(k): $5,000 – Done. I actually contributed $6,000 for 2008, not including employer match.
3. Retake the GMAT (and get a better score) – Done.
4. Apply to 6-7 graduate schools – Postponed. I want to get more experience before I go back to school.
5. Run a 5K race – Ha. Ha. Ha. I don’t think this will be done. Or even attempted. At all. A complete FAIL.
6. Go on a trip with CB – Will be done by December! To only The Most Magical Place On Earth!
7. Increase my Freedom Fund by $5,000, from the 2008 year-end balance of $27,000 to $32,000 – Done. I actually began my unemployment with $35,000 in cash. I’ve had to take money out of savings to supplement my unemployment (mostly for travel to interviews and for the Disney World trip), so I think my cash balance right now is around $33,000.

In other news, I have submitted my resume for a job that I am really excited about. The position sounds right up my alley in both the general field and the area of specialization. I know the competition will be intense, but on the other hand, I wouldn’t be human if I said I absolutely have NO hopes up. So please, say a prayer, think good thoughts, or cross your fingers for me. I appreciate it.

So even though I think about how much I could have saved had things been different, I have to be proud of what I have accomplished… perspective, right? icon wink 2009 Goals Update: The Weird Thing Is

Happy Thanksgiving!

For this holiday, I present to you…

The Difference Between Yams and Sweet Potatoes!*

In short, yams and sweet potatoes belong to different plant families. Compared to sweet potatoes, yams are starchier and drier. Sweet potatoes are divided into the “firm” and “soft” varieties. The confusion arises when “soft” sweet potatoes are labeled as yams.

If you are in North America, chances are you are eating sweet potatoes (even if they were labeled as “yams” in grocery stores).

Today, I plan to stuff myself full of traditional goodies such as turkey meat, mashed potatoes and gravy, baked sweet potatoes, and pumpkin pie.

Tomorrow, I’m heading out to the stores to pick up Christmas cards. Unlike Black Friday shoppers who line up for deals in the middle of the night, I will be hitting the stores at a very reasonable hour.

*I’ve always wondered about this. Now I know. And you do too!

Business Insurance Experts Premierline Direct

Paid off My Disney World Trip (aka My Most Expensive Vacation Ever)

When CB and I booked our trip to Disney World, we put the entire amount on my credit card so I can get the points. Then CB transferred his portion of the travel costs to my checking account.

So a few days ago I paid my credit card bill (which was much higher than usual because of the ~$3,200 Disney-related costs), but it feels so good to get that out of the way and know that we’ll only have incidentals to worry about on our trip. This trip (around ~$1,500 for my portion) will the most expensive trip I’ve ever gone on by myself. It will also be the most expensive trip CB has ever gone on.

But this is why I think Disney was the right vacation spot for our first big trip together:

Last night, as we were driving on the freeway, CB had this HUGE smile and said, “I am so excited!” And without even skipping a beat, I told him, “I know what you’re excited about about!” Then we both just sort of blurted out, “Disney World!” (and in a Disney movie, this is when our car would suddenly transform into a magic carpet and we would glide off into the clouds, singing a rendition of A Whole New World).

aladdin jasmine carpet copy Paid off My Disney World Trip (aka My Most Expensive Vacation Ever)

And yes, that is how excited we are. And that’s what makes an expensive vacation worth the price.

What’s the most expensive vacation you’ve ever went on? Give me details! icon smile Paid off My Disney World Trip (aka My Most Expensive Vacation Ever)

Regifting: Yay or Nay?

***First, a big welcome to readers who came here by the ways of my guest post on dorm life, on Single Ma’s Fabulous Financial. Please enjoy your stay!

Now, back to the perennial question of regifting…

I say Yay under the following conditions:

  1. The gift is 100% brand-spanking new. No if’s, and’s, or but’s about it.
  2. The gift is not expired. Past-due-date cookies or lotions aren’t very appropriate gifts. For anyone.
  3. The gift is something that the recipient will like / appreciate / use. Passing off a gift that no one wants (i.e. a bright green sweater with a blinking Rudolph nose) brings you no goodwill.
  4. The wrapping is new. No matter how well you think you unwrapped the present, you should not re-wrap it in the same paper!
  5. Do not give the gift to the same person who has given it to you in the first place <– I think this can safely be called the cardinal sin of regifting.
  6. Do not give the gift to someone in the original giver’s social circle (i.e. if you want to regift your coworker’s present, do not give it to another coworker). People might compare notes.

But other than that… regift and rejoice!

What do you think about regifting?

Blogging Help Requested: Favicons

I’ve been trying to put a favicon, but for some reason it’s not showing up. If you can please take a look at my blog in Firefox or IE and let me know if you see a red heel icon right next to my hyperlink in the address bar, I would appreciate that very much.

And if you can’t see it… can someone help me troubleshoot? I’m almost 100% sure I uploaded the correct format to my root directory (public_html), that I typed in the correct text to insert the favicon, and I referred to the favicon file by the appropriate name (i.e. favicon.ico).

Here’s the text I typed into the header scripts section: <link rel=”shortcut icon” type=”image/ico” href=”favicon.ico”>

I can’t offer you anything except my sincerest gratitude…. and this Twilight parody! Okay, yes, I admit that I have written a few posts on the Twilight book series [here and here], but that doesn’t mean I can’t also appreciate a good sarcastic poke at sparkly vampires! Here’s a Truth About Twilight by The Oatmeal that you might appreciate, thanks to The Debt Chronicles.

Please help if you can. Thanks so much! icon smile Blogging Help Requested: Favicons

Outrageous Behaviors On The Road

To the Young Gentleman Driving With a UC Medical School License Plate Frame:

Just because a diagram of the human skull is placed flush against the steering wheel and your eyes are focused on the page in front of you does not mean that it’s okay to study while you are barreling down the 101 freeway.

It’s not a good idea to study to be a doctor (to save lives, I presume) only to kill someone because of your very mistaken belief in your ability to multitask successfully.

And honestly, if you need to cram while you are driving 70 miles per hour, you probably wouldn’t pass the test either way.

Signed,

Concerned / Scared / Annoyed Fellow Driver

So here’s my question – if this gentleman causes an accident that kills someone, would he still be eligible to become a doctor? I know attorneys can disbarred or disallowed from taking the bar in the first place because of issues with their moral character – would anything similar happen to an aspiring doctor who kills someone because of a very serious lapse in judgment?

What outrageous behaviors you’ve seen on the road?

3 Months In, 3 Months to Go

(Or why when unemployed, you need to keep moving – literally.)

When I was laid off 3 months ago, I gave myself 6 months to find a job in the States before I turn to working in China. I realize that the market is tough right now, and even though things might be slowing recovering, I am not going to sit out a year of my career.

I need to get moving, and China (because of my language background and its stronger economy and rising stature as a world economic power), is a logical fit. To be honest, I would prefer to stay in the States and possibly move to China at a later point in my career, but that all depends on how the job search pans out in the next few months.

On the bright side, I am thankful for a lot of things related to this period in transition: I have taken the opportunity to work on a couple of freelance projects, develop new skills, strengthen my language abilities, improve this blog (hopefully you guys agree? icon smile 3 Months In, 3 Months to Go ), adopt new hobbies, learn to cook, and spend more quality time with Mom. So it’s definitely not all doom-and-gloom.

But now I am at the halfway mark of my time line. I’ve sent out numerous resumes and had a handful of interviews. It can a roller coaster because sometimes, you just can’t help feeling really excited about an opportunity or an interview, and then to be told “you are a superb candidate but we just can’t give you an offer right now.”

That is why, when you are thick in the midst of a job search, you need to have a physical activity – one in which you can go and just do – and leave the thinking and the over-analyzing behind for a moment.  Then of course, there’s the exercise endorphins that will really, really help you. Some people swim. Some train for marathons. I pull on my stilettos and go tango.

Somehow, it feels strange that 3 months has already passed. The truth is, sometimes I am afraid I’ll never catch up – in terms of finances, career, life. And the moment I think that, I stop myself. Because that thought is ridiculous and irrational, because I will catch up.

**This week, I participated in:

It’s All A Matter of Perspective

I took my first Argentine tango class over 6 years ago. I loved it, but after several weeks the instructor left and I didn’t keep up with the dance amidst the hustle and bustle of college.

When I went to Buenos Aires a few years ago, I took more classes. But again, I didn’t stick with it after I got back to the States. I didn’t have a car at the time, and there weren’t any good classes near where I lived.

Now, after many starts and stops, I’m finally sinking my teeth heels into Argentine tango.

Just think… how good would I be now if I had stuck with Argentine tango six years ago? But then again.. if I stick with it now, how good would I be in six years? icon wink Its All A Matter of Perspective

And when it comes to money – sometimes the same perspective can be helpful: Don’t think how much money you would have now if you had started saving 5 or 10 years ago. Think about how much money you will have in 5 or 10 years if you start saving money now.

Financial Support in a Relationship

This title came about because I remembered a conversation CB and I had.

CB told me that he would support me/us financially in our future life together, if I wanted him to. I was a little touched and a little surprised, but I told him no – as supportive (ha! pun intended) as that sentiment might be to some people, I would much rather that we support each other in all facets of a relationship (which definitely includes the financial aspect).

Then he said, “it’d be like we’d support ourselves.” And I thought, well, yes, but even better.

I think “supporting each other financially” implies a deeper degree of the partnership model than “supporting ourselves financially” – because two people can support themselves individually, but only if they become true partners can they support the relationship / the household they build together.

But just as importantly, supporting each other financially means that we preserve the ability to support ourselves if something were to happen. And as CB and I talk more about our attitudes toward money and our financial backgrounds (conversations that we’ve been having for, literally, 6+ years), it’s always interesting for me to see how our conversations evolve. Money has become a natural topic for us, and as a personal finance nerd, I am excited about that.

And honestly, am I a disgrace to all the progress that women have made if I thought his comment was kind of sweet? No, right?

What do you think? Is there a difference between supporting each other and supporting ourselves?

Standardized Test Costs: GMAT, MCAT, LSAT, GRE

04strategy.190 Standardized Test Costs: GMAT, MCAT, LSAT, GREFor graduate schools, there are generally four big standardized admissions tests: the GMAT, the LSAT, the MCAT, and the GRE (I think it’s funny how most of them rhyme – why are you such a rebel, GRE?!).

  • GMAT (business schools): $250
  • LSAT (law schools): $132
  • MCAT (medical schools): $225
  • GRE (general graduate programs): $150

GMAT is the most expensive test out of the bunch. The MCAT is not far behind, but whereas the MCAT is an 8-hour test, the GMAT is 3.5 hours. From a layman’s perspective, this means that MCAT will take longer to grade and require more resources in that regard.

So, why is the GMAT the most expensive test? Hmmm. Perhaps the computer adaptive nature of the test is one reason? Although my understanding is that GRE is also computer adaptive.

Pearson (the testing organization that runs the GMAT) did note that they reinvest 40% of all testing revenue in to research and development of the test. And judging by those pesky adaptive questions…. I don’t doubt them!

Recently, a few business schools have quietly begun to accept GRE scores. A year ago, the New York Times dubbed this “a feud brewing in the graduate-school testing world.” Pearson is, not surprisingly, none-too-pleased about this development. In fact, one of the arguments in favor of the GRE is that since it’s $100 cheaper than the GMAT, it will offer more access to prospective students who cannot afford the $250 GMAT fee.

Colleges already have a dual-standardized testing model where both the SAT and ACT are equally accepted. I wonder if one day GMAT and GRE will reach that stage for business school admissions.

If Pearson is really worried about the cost of GMAT turning away financially-challenged students, I think increased fee waivers or reduction would be a step in the right direction. Apparently, schools can request fee waivers for their prospective students, but I’m not sure how many students that benefits. It might be more effective for students to be able to apply for waivers on their own.

My personal belief is that Pearson charges the $250 for the GMAT because they can – I paid $500 to take the test twice, and I know people who have taken it 3 times.

Have anyone made the decision to take one test over the other for financial reasons?

Friends and Borrowing Money

iou piggy Friends and Borrowing Money

Let’s take a hypothetical situation. Let’s say that you are good long-time friends with “Sammy” (that’s a nice, unisex name, right?)

Now, one day, a few months ago, you and Sammy had a lunch date at a small neighborhood bistro. You have agreed to split the bill. But before you started ordering, Sammy realized that he/she didn’t have any money – the wallet was left at home. Although you generally avoid lending money to friends, you couldn’t very well tell Sammy to starve while you ate! So you paid for Sammy’s tab (~$20) and Sammy told you he/she will repay you when you get together the week after.

Well, you were supposed to get together a few times, but Sammy got really busy with work and school, and now finals time is coming up, and so the second lunch never materialized.

You realize that (1) Sammy is a good and upstanding person who would never try to take advantage of you, (2) Sammy has never borrowed money from you before, (3) right now is a very busy time for Sammy and this issue probably just slipped Sammy’s mind, (4) it’s only $20 (i.e. not the end of the world) – you’d rather write it off than to create rifts in the friendship.

On the other hand, $20 is $20 is $20. You would like to be repaid for what was clearly a loan. You have gently reminded Sammy once a few weeks ago but Sammy couldn’t meet up with you. But again – on the grand scale of things, your friendship is far more valuable than $20.

What would you do?

WellHeeledBlog Has Succumbed to Facebook

First Twitter, now Facebook. Because the tide of social media swallows us WHOLE!

Would you be so kind as to follow me on Facebook networked blog fan page? If I can get above 25 followers, I’ll be able to create a vanity URL (basically, facebook.com/wellheeledblog).

Also, if you’d like to friend me on Facebook, my “name” is Wellheeled Wellheeledblog. Real creative, right? Just think of it as… someone named Carl Carlson.

Thanks all for your support. icon smile WellHeeledBlog Has Succumbed to Facebook

Restaurant Cuisine Hierarchy: Why Are There More Expensive French Restaurants Than Expensive Chinese Restaurants?

french chinese mexican Restaurant Cuisine Hierarchy: Why Are There More Expensive French Restaurants Than Expensive Chinese Restaurants?

Have you noticed that the nicest, most expensive restaurants usually offer French / Continental cuisine, whereas Asian restaurants (Indian, Chinese, Vietnamese, etc.) and Mexican restaurants are usually at a much lower price point?

Of course, that statement is not an absolute – but on the whole, the most expensive restaurants (think those with Michelin stars, $300+ meals, and extensive wine / alcohol lists) are French or continental restaurants. Fast food places, meanwhile, are far more likely offer Chinese, Indian, or Mexican fare. Even Asian restaurants that are nicer and more expensive are almost uniformly “fusion” restaurants (with the exception of pricey Japanese sushi houses).

As a big lover of almost all cuisines, I’ve wondered about this disparity for a long time. I thought about titling this post Disparity in Restaurant Prices by Different Ethnic / Cultural Cuisines, but wow, a mouthful, eh?

For ease of writing purposes, I’ve decided to make French restaurants and Chinese restaurants my two subjects of study.

Non-Scientific Survey of # of High-Class French Restaurants vs. Chinese Restaurants

If I search for “French restaurants” on Yelp in San Francisco and focus only on the $$$$ price category, I come up with 8 results on the first page. If I search for “Chinese restaurants” with the same price designation, however, there is only one result - Jai Yun.

A similar search for New York City – the dining capital of the U.S. – resulted in 5 Chinese restaurants categorized as $$$$ on Yelp. There are, however, 10 results for French restaurants on the first page alone, and many more restaurants extending beyond the first page.

Why Are There More Expensive French Restaurants Than Chinese Restaurants?

Can it be that French cuisine requires more skill / expensive ingredients than, say, Chinese cuisine? I don’t know – perhaps, but I am hesitant to attribute only skill or ingredients to such a great disparity. Somehow, in the “restaurant hierarchy”, consumers (and I admit, myself included) have become accustomed to pay much more for a plate of beef bourguignon than a plate of stir-fried beef and broccoli.

A large part of this restaurant hierarchy comes down to branding and history. French and continental cuisine have been branded as an exquisite dining experience, whereas Chinese or Mexican food have been categorized as mostly “fast-food” – delicious, yes, but still “fast food”. A couple that want to celebrate their 20th anniversary goes to a 4-star French restaurant. A couple that is exhausted after work orders Chinese takeout from the corner cafe.

From a historical perspective, fine dining in America has traditionally belonged to French / continental cuisine. The best chefs at the best restaurants are frequently trained at French culinary institutes. Also, French cuisine is still more mainstream / less foreign than Chinese or Vietnamese cuisine might be to the general American public.

The market supports different cuisines at separate price points.

Self-Perpetuating Circle & Challenges of Rebranding

This phenomenon has become self-sustaining – as more French restaurants are usually acknowledged as “occasion” restaurants – the places you go to celebrate an engagement, wine and dine clients, or impress your parents, it becomes easier to find backing and the dining base needed to sustain a high-class French restaurant. It’s a circle that perpetuates itself.

People have come to expect different things from French restaurants (service, ambiance, exquisite meals) than Chinese or Mexican restaurants (fast service, low prices). In addition, there are such a proliferation of cheap, mom-and-pop Chinese / Mexican restaurants (especially in big cities with a large immigrant population) where you can get an entire lunch for $5. It’s even cheaper than McDonald’s!

The chef who wants to start a 4-star Chinese restaurant not only has to compete with (1) the French restaurants for patrons who would pay $100 for a meal for two, (2) he/she must also convince the patrons of the cheaper Chinese restaurants that it IS worth it to pay $25 for beef & broccoli (which at his shop may be made with organic grass-fed beef) instead of $8 for the same dish a few blocks over, and (3) change the mentality of future patrons that Chinese food is only for take-out or casual sit-down dining.

The chef who wants to open and make a profit from a 4-star, $30-per-entree Chinese or Vietnamese or Mexican restaurant must redefine an entire consumer mindset. They must rebrand an ethnic cuisine. Rebranding is hard work – and it’s no wonder that few chefs have successfully accomplished such a task.

What do you think? I love food and I love consumer behavior, so I find this a fascinating topic. Please share & discuss!

Review: Secrets of a Stingy Scoundrel

secrets of a stingy scoundrel jacket art Review: Secrets of a Stingy Scoundrel

Phil Villarreal is one consummate networker – his book Secrets of a Stingy Scoundrel: 100 Dirty Little Money-Grubbing Secrets has been all over the personal finance blogosphere for the past couple of months. And he has achieved one mark of a true celebrity – protesters against his “moral decay” at a book signing!

villarreal01 Review: Secrets of a Stingy Scoundrel

(signs the ladies are carrying from left to right: PHIL is Gross, MEAN AND just plain wrong!! —Greedy, Cheap and NO Morals!! —Phil—Have you NO Conscious? [sic] —WHAT Goes around…. comes around)

Ah, the sounds of sweet success.

Bottom-line: it’s a fun, sardonic, tongue-in-cheek look into the world of “extreme and over-the-top frugality / stingy scoundrel-ness”.

Phil offers information on

…clothing

  • If you’re looking for a book to teach you how to buy stylish clothes for cheap? This is NOT it.
  • If you’re looking for a book to teach you how to clothe yourself for free courtesy of credit card companies? This IS it.

…relationships and gift-giving

  • If you’re looking for tips on how to buy your girlfriend or husband the perfect present? This is NOT it.
  • If you’re looking for tips on how to minimize your gift-giving costs and extricate yourself from an unhappy relationship (and earn the ire of your SO’s friends)? This IS it.

…engagement rings and diamonds

  • If you’re looking for information on how to buy a beautiful diamond on a budget? This is NOT it.
  • If you’re looking for information how to pass off a cubic zirconia for a beautiful diamond? This IS it. (although if your girlfriend has already read the Stingy Scoundrel, you’re toast. Sorry!)

I’ve actually chatted with Phil for quite some time, and the answer to question: Does he really talk like he writes in Stingy Scoundrel? is Yes, yes he does. icon wink Review: Secrets of a Stingy Scoundrel

Enjoy!

The Price of Beauty: What’s Your Makeup Budget?

makeup cosmetics The Price of Beauty: Whats Your Makeup Budget?

Ah… makeup – a special category in the budget for us ladies. I don’t wear a lot of makeup, but I am not immune to the shiny cases, pretty colors, and promise of one-upping Mother Nature that cosmetics companies offer. Fortunately, I use my Sephora gift cards (received through credit card points) to offset the cost of my products.

Here’s an estimate of how much my makeup costs (per year):

  • 3 to 4 foundations / powders: $30*4 = $120, although now that I have discovered Jane’s $6 the sheer-foundation-that-could, I hope I can save a bit on this regard.
  • 4-5 lipsticks and lip glosses: $6*5 = $30, I usually buy drugstore lip products, but have splurged for a $14 Clinique lipstick seen in What’s In My Bag.
  • makeup brushes: $80 for foundation brush, kabuki brush, eyebrow angled brush, lip brush – these costs do not reoccur annually. I’d say amortized over a year, it’d be around $30 per year.
  • eyeliner, eyeshadow, mascara, brow powder: $50, usually includes a brow powder, 2 mascaras (which I never finish), and a couple of eyeliners (which I also never finish).
  • perfume: $0. I have never actually purchased perfume for myself. Right now I wear Marc Jacobs, a gift from CB for our 6th anniversary. When I order from Sephora, I always select little vials of scents for my samples, so I have quite a collection of tiny perfumes.
  • Total: ~$230 per year (80%-90% covered by my Sephora cards).
  • This is only the cost of makeup. Skincare is not included.

How much do you spend on makeup per year?

Note: Carnival of Personal Finance #231 is up at M is For Money. Please visit!

Just Because Presents

This weekend, CB told me he wanted to show me something that he got for me. Immediately, I asked him “is it my present?” (Because the holidays are coming up and while I have jokingly told him I wanted my present now, I don’t really! I want something to open on Christmas.)

“No”, he said, “well, it’s a present, but it’s not your Christmas present. It’s a present just because.”

Then he took out a pair of beautiful silver hoops. (I had mentioned before that I was looking for silver hoops because I don’t have that type of earrings, and I guess he remembered icon smile Just Because Presents ). silver hoop earrings1 300x300 Just Because PresentsHe told me that the earrings didn’t cost much, and I told him I loved them. Then I wore them every waking hour for the rest of the weekend.

Even though Christmas season invariably brings out a slew of articles and posts that bemoans the overly consumerist tendencies of the holidays, I love presents, and I love the concept of “just because” or “no reason” presents – because they are a treat and a true surprise.

“Just because” gifts don’t have to cost a lot of money – here are a few ideas sure to create the warm fuzzies in your friends or significant other:

  • card with handwritten note inside ($4 at Papyrus, $0 for homemade)
  • surprise picnic ($10 for sandwich bread, prosciutto, and orange juice)
  • 2-truffle set from Godiva ($4)
  • something from Overstock.com or Redenvelope.com’s sales section
  • books ($5-$10 on Amazon). This is a surefire way to melt a bookworm’s heart.
  • flower (a single rose is always classic, and much cheaper than a bouquet of dozen, or just go the DIY route and pick a flower from your garden). In college, CB presented me with a lovely pink rose that he, er, illicitly picked off the college grounds. I know – if everyone did that there would be no flowers left to enjoy, but I’d be lying if I didn’t admit that I placed the rose floating in a bowl of water and thought it was the prettiest flower ever.

I’d like to give CB something just because too, but what? A few things on my mind are a leather portfolio (for future interviews, etc.) or cuff links. The first thing I do after I find a job is, well, do a happy dance. Then set up my retirement contributions. But after that? I’m going to get him something nice.

Do you give, or get, “just because” presents?