Getting gifts for loved ones can be nerve-wracking and expensive. This year, try something different and stress-free! You can do a secret father Christmas gift exchange with friends, coworkers, and family. Set a minimum and maximum amount of what should be spent on gifts this year. Sometimes materialistic gifts may not be what a person needs. Before purchasing that gift for your loved one, ask them what they really need this year. Try a different approach with gift giving and help a relative or friend with their utility bill or rent. If this year felt like baby boomer era 2.0 for the family and friends around you — offer a kid-free night /weekend and be a babysitter.