Sign up for CNN’s Adulthood, But Better newsletter series. Our seven-part guide has helpful hints for paying off student loans, negotiating your salary, building credit, and more . CNN  —  The holidays are often a time when financial goals are in opposition with showing people love in the grandest of ways. Reining in holiday spending could be the absolute last thing people want to do, but during inflation- and debt-related financial struggles , scaling back is a necessity for many. Thankfully,

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