In this run-up to the holidays, it is important to remember that giving doesn’t necessarily have to mean spending lots of money. Not being able to afford a $1,000 piece of jewelry does not make you a bad person. Give your loved ones yourself – your time and your talents. Give your aging relative an afternoon of fixing things around their house; give the kids in your life a day of your full attention – build a blanket fort or have a tea party. Giving of yourself can be the ultimate gift.