By Michelle Madhok
Present exchanges, or what some fondly call "Secret Snowflake exchanges", are becoming more and more popular. From the office to extended families, Secret Snowflake can be a great way to exchange gifts with a large group without breaking the bank. They're also notoriously panic-inducing because there's usually a price limit and sometimes you don't know very much about your gift recipient.
We have a plan to ease this stress and make shopping a breeze.
Most present exchanges have a dollar amount set for the entire group to make gift-giving more equal.
Easy, right?
But all it takes is going a bit overboard on your gift to Carol from accounting and you're left feeling awkward at the party. How do you gift on a limited budget and make it meaningful?
We've partnered with Michelle Madhok, an online shopping expert and founder of SheFinds.com, to help identify thoughtful gifts for your Secret Snowflake exchanges. As an online shopping expert, she is known to be a pretty good gift giver and is here to share a few of her secrets.
Our Citizens Cash Back Plus® World Mastercard® offers 1.8% cash back on every purchase. Yes, everything!
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1 0% introductory APR is for your first 15 billing cycles; after that you will be charged your standard variable APR for purchases. Each balance transfer check will have a fee of either $10 or 4% of the amount of each transfer, whichever is greater. APR based on creditworthiness. Rates can vary based on our review of your application and credit history. Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.
2 0% introductory APR is for your first 18 billing cycles; after that you will be charged your standard variable APR for purchases. Each balance transfer check will have a fee of either $10 or 3% of the amount of each transfer, whichever is greater. APR based on creditworthiness. Rates can vary based on our review of your application and credit history. Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.
3 As of 11/28/2018. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 13.74, 17.74 or 21.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.
4 As of 11/28/2018. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 11.74, 15.74 or 19.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.
5 Certain conditions, restriction and exclusions apply. See your Guide to Benefits for complete program details.
6 Certain restrictions apply, see http://www.mastercard.us/zeroliability for further details.
7 When you pay your account balance in full by the due date.