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Wednesday 12 June 2024

Top $10 Below Father's Day Gifts You Can Buy Now at Walmart

 Father's Day is fast approaching, and finding the perfect gift can be a challenge, especially if you're on a budget. Fortunately, Walmart offers a wide range of affordable yet thoughtful gifts under $10 that will show your appreciation for Dad without breaking the bank. From fun greeting cards to stylish graphic tees, here's a list of top $10 below Father's Day gifts you can buy now at Walmart.

#1. Hallmark Father's Day Greeting Card (Hey, You're Awesome)

A heartfelt message can mean more than any material gift. The Hallmark Father's Day Greeting Card (Hey, You're Awesome) is a perfect way to express your love and appreciation. This card features a vibrant design and a warm message that will surely bring a smile to your dad's face. It's an affordable and personal way to start the day off right.

Hallmark Father's Day Greeting Card (Hey, You're Awesome)



  • Why it’s great: High-quality design and meaningful message
  • Perfect for: Dads who appreciate thoughtful gestures
  • Price: $5.97

#2. Father's Day It's a Dad Thing Mug and Sock Gift Set by Way To Celebrate

If your dad loves his morning coffee and enjoys cozy socks, the Father's Day It's a Dad Thing Mug and Sock Gift Set by Way To Celebrate is the perfect gift. This set includes a durable ceramic mug and a pair of comfortable socks with a fun dad-themed design. It’s practical and shows that you’ve put thought into his everyday comfort.

                        Father's Day It's a Dad Thing Mug and Sock Gift Set, by Way To Celebrate.
                                                                        Buy Now.
  • Why it’s great: Combines practicality with fun
  • Perfect for: Coffee-loving dads
  • Price: $7.96.

#3. Men's Father's Day Dad Hero Love Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL

Celebrate your dad’s superhero status with the Men's Father's Day Dad Hero Love Graphic Tee. This short sleeve crewneck shirt is available in sizes S-3XL, ensuring a comfortable fit for any dad. The graphic design is both stylish and sentimental, making it a gift he’ll be proud to wear.

Men's Father's Day Dad Hero Love Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL.
                                                                                 Buy Now.

  • Why it’s great: Comfortable and stylish
  • Perfect for: Dads who love casual wear
  • Price: $6.98.

#4. Father's Day Best Dad Ever Ceramic Mug, 28 oz, by Way To Celebrate

The Father's Day Best Dad Ever Ceramic Mug by Way To Celebrate is a fantastic choice for the dad who enjoys his beverages in style. This large 28 oz mug features a bold and affirming "Best Dad Ever" graphic, perfect for his morning coffee or evening tea. It’s a daily reminder of your appreciation.

Father's Day Best Dad Ever Ceramic Mug, 28 oz, by Way To Celebrate.
Buy Now.



  • Why it’s great: Large size and bold design
  • Perfect for: Dads who love a big mug of coffee or tea
  • Price: $6.44.

#5. Men's Father's Day Super Dad Sketch Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL

Another excellent tee option is the Men's Father's Day Super Dad Sketch Graphic Tee. Available in sizes S-3XL, this shirt features a fun and artistic “Super Dad” sketch. It’s an ideal gift for dads who enjoy a bit of humor and comfort in their wardrobe.

Men's Father's Day Super Dad Sketch Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL.
Buy Now.



  • Why it’s great: Fun and artistic design
  • Perfect for: Dads with a sense of humor
  • Price: $6.98.

#6. Shrek Best Farter Apparel, Men's Graphic Crew Neck T-Shirt, Sizes S-3XL (Men's Big & Tall)

For the dad who loves a good laugh, the Shrek Best Farter Apparel Men's Graphic Crew Neck T-Shirt is a hilarious choice. This tee features a humorous twist on the classic "Best Father" title, sure to get a chuckle. Available in sizes S-3XL, including Big & Tall, it’s a comfortable and funny gift.

Shrek Best Farter Apparel, Men's Graphic Crew Neck T-Shirt, Sizes S-3XL (Men's Big & Tall).
Buy Now.
  • Why it’s great: Humorous and relatable design
  • Perfect for: Dads with a great sense of humor
  • Price: $8.98.

#7. Men's Father's Day Vintage Label Dad Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL

For dads who appreciate vintage style, the Men's Father's Day Vintage Label Dad Graphic Tee is an excellent choice. This shirt features a retro-inspired design that celebrates fatherhood. Available in sizes S-3XL, it’s both stylish and comfortable.

Men's Father's Day Vintage Label Dad Graphic Tee, Short Sleeve Crewneck Shirt from Way to Celebrate, Sizes S-3XL.
Buy Now
  • Why it’s great: Vintage design with a modern fit
  • Perfect for: Stylish dads
  • Price: $6.98.

#8. Father's Day Papa Mug and Cap Gift Set by Way To Celebrate

The Father's Day Papa Mug and Cap Gift Set is a thoughtful combination that any dad would appreciate. The set includes a high-quality mug and a matching cap, both featuring a “Papa” design. It’s a great way to celebrate his role as a father and show that you care.

Father's Day Papa Mug and Cap Gift Set, by Way To Celebrate.
Buy Now
  • Why it’s great: Practical and stylish set
  • Perfect for: Dads who love useful gifts
  • Price: $11.44.

#9. U Fill E'm Father's Day Gift Basket, Reusable Base, Blue Pillow Balloon, Tassel

Create a custom gift with the U Fill E'm Father's Day Gift Basket. This set includes a reusable base, a blue pillow balloon, and a tassel. You can personalize it by adding your dad’s favorite treats, gadgets, or personal items, making it a unique and thoughtful present.

U Fill E'm Father's Day, Gift Basket, Reusable Base, Blue Pillow Balloon, Tassel.
                                                                   Buy Now
  • Why it’s great: Customizable and personal
  • Perfect for: Dads who appreciate personalized gifts
  • Price: $4.98

#10. Father's Day Gray Grill Master Set, 3 Pieces, by Way To Celebrate

For the dad who loves to grill, the Father's Day Gray Grill Master Set by Way To Celebrate is an ideal gift. This three-piece set includes grilling tools that are essential for any BBQ enthusiast. It’s practical and shows you support his grilling hobby.

Father's Day Gray Grill Master Set, 3 Pieces, by Way To Celebrate.
Buy Now
  • Why it’s great: Practical and tailored for grilling enthusiasts
  • Perfect for: Dads who love to BBQ
  • Price: $14.98

Conclusion

Walmart makes it easy to find affordable and thoughtful Father's Day gifts under $10. Whether your dad loves a good laugh, enjoys practical items, or appreciates stylish apparel, there's something for every dad on this list. These gifts are not only budget-friendly but also meaningful, ensuring that your Father's Day celebration is both special and memorable.

When choosing a gift, consider your dad’s hobbies, interests, and personality. A well-chosen gift, no matter the price, can make a big impact and show just how much you care. Happy Father’s Day shopping!

Monday 3 June 2024

5 Crucial Money Tips Your Financial Planner Wishes You'd Follow.

 When it comes to managing personal finances, sometimes the best advice is the hardest to hear. Financial planners often provide recommendations that might initially seem counterintuitive or unwelcome. However, these insights are rooted in long-term financial stability and success. 


Here are five critical pieces of money advice from financial planners, based on insights from Business Insider, that no one ever wants to hear but everyone needs to consider.


  1. Don't Buy So Much House.


The Emotional vs. Financial Decision


Buying a home is an exceedingly emotional decision. For many, it symbolizes stability, security, and a significant milestone in life. However, this emotional weight often leads to financial missteps. Instead of basing the purchase on data and financial capacity, people let emotions drive them to buy more house than they can afford.


Setting a Budget


It’s crucial to set a budget and stick to it to avoid this pitfall. Financial planners typically recommend that your total annual housing costs, as well as mortgage payments, should not exceed 20% of your gross annual household income. This guideline helps ensure you maintain flexibility in other areas of your finances, allowing you to meet other important goals and priorities without overextending yourself.


Read more about budgeting: Mastering Your 2024 Finances: Understanding the 50-30-20 Rule for Financial Success


Long-Term Flexibility


By limiting housing expenses, you can preserve cash flow for other needs. Whether investing in your retirement, saving for your children's education, or simply having a financial cushion, keeping housing costs in check is essential for long-term financial health.


2. And Don't Assume Your House Is a Good Investment.


Your Home is a Utility, not an investment.


Many people view their home as an investment, expecting it to appreciate significantly over time. While it's true that home values generally rise, this perspective can be misleading. A primary residence doesn’t generate rental income and involves ongoing costs that often erode potential gains.


The Real Return on your Home.


Financial planners point out that the average real return on single-family homes is about 2% per year. This rate barely keeps pace with inflation and doesn’t account for the various costs of homeownership, such as maintenance, property taxes, and insurance.


Reinvestment Considerations


Moreover, when you sell your home, you usually need to reinvest the proceeds into another property. This cycle continues to tie up your equity in your living arrangements rather than allowing it to grow as a liquid investment might. Hence, while your home provides utility and stability, it's not the golden ticket to wealth that many assume.


3. Save More Than You Think You Need To.


The Uncertainty of the Future


One of the biggest problems in financial planning is the uncertainty of the future. Without a crystal ball to predict emergencies, lifestyle changes, or economic shifts, it's hard to pinpoint precisely how much you need to save.


Building a Safety Margin


To combat this uncertainty, financial planners advocate for saving more than you think you need. This extra cushion can help you handle unexpected expenses, take advantage of unforeseen opportunities, and incorporate new goals into your financial planning.


Practical Savings Tips


A standard guideline is to save 25% of your annual gross income. This savings rate creates a buffer that can provide peace of mind and financial flexibility. A high-yield savings account is an outstanding place to store your emergency fund, ensuring that you have accessible cash for sudden needs while earning a bit of interest.


4. Have a Backup Plan.


The Importance of Contingencies


No one likes to think about worst-case scenarios, but having a backup plan is a cornerstone of sound financial planning. Life is unpredictable, and financial setbacks can occur at any time. Having multiple levels of safety nets can protect you from severe financial distress.


Ways to Build a Backup Plan


Building a solid backup plan involves several strategies. Besides saving more than you need, maintain an emergency fund that provides a shield for at least six months of living expenses. Use conservative assumptions for income projections and overestimate your expenses in long-term plans.


Avoid Counting on Windfalls.


It's also wise not to rely on windfalls like bonuses, commissions, or inheritances. While these can be pleasant surprises, they shouldn't be the foundation of your financial security. By planning for the worst, you can guarantee stability even when things don't go as expected.


5. Stop Trying to Time the Market.


The Temptation of Market Timing.


The stock market's volatility can make it tempting to try to time your investments. Hindsight makes it seem easy to predict market highs and lows, but in reality, it's incredibly difficult to do consistently.


The Data on Market Timing.


Even professional investors need help to time the market accurately. Studies show that attempting to buy low and sell high often leads to missed opportunities and lower overall returns. The average investor tends to be unsuccessful in the market precisely because of these mistimed moves.


A Strategic Investment Plan.


Instead of trying to time the market, focus on building a diversified, strategic investment plan and sticking to it regardless of market fluctuations. Regularly contribute to your investments and rebalance your portfolio as needed but avoid the temptation to make substantial changes based on short-term market movements.


Long-Term Success.


This disciplined approach might not provide the thrill of winning big on a single stock pick but leads to more reliable, long-term financial growth. Staying the course helps you capitalize on the market's overall upward trend without the stress and risk of trying to predict its every move.



Listening to financial advice that challenges our instincts or desires isn't easy, but it's often necessary for long-term financial health. You can build a stable and prosperous economic future by not overextending on housing, viewing homes realistically, saving more than expected, having robust backup plans, and avoiding market timing. Embrace these tough pieces of advice from financial planners, and you’ll be better prepared to navigate the complexities of personal finance and inflation.

Thursday 23 May 2024

5 High-Paying, Remote Side Jobs in 2024 You Can Start Now

 In this era of rising inflation, the cost of living continues to climb, putting financial pressure on many households. Inflation erodes purchasing power, making everyday expenses such as groceries, housing, and utilities more expensive. One effective way to cushion yourself from the impact of inflation is by having a side hustle. A side job provides an additional income stream, helping offset the higher costs and maintain your standard of living. It boosts your financial resilience and offers opportunities to diversify your skills and career prospects, providing a safety net in uncertain economic times. According to Forbes, here are five lucrative remote side jobs you can start in 2024.

#1. Software Developer

Software development remains one of the most lucrative side jobs available. You can find remote opportunities on platforms like DevIT Jobs, Turing, and Dice. As a software developer, whether freelancing or working part-time, you can expect to earn an impressive average hourly rate of $59.71. This field not only offers high pay but also the flexibility to work from anywhere, making it an ideal choice for tech-savvy individuals.

#2. Project Manager

Project managers are essential across various industries, and their demand continues to grow. If you're already working as a project manager, taking on additional freelance projects can significantly boost your income. However, it's crucial to maintain a clear distinction between your primary job and side gig to avoid any conflicts or confusion. Project managers earn $45.85 per hour on average, making it a highly rewarding side hustle.

#3. Consultant

Consulting offers a diverse range of opportunities depending on your expertise. Whether you specialize in social media management, digital marketing, IT, or legal matters, consultancy can be a profitable side job. Due to the variety of consultancy fields, the pay rate can vary, but you can earn around $45 per hour. This flexibility allows you to leverage your unique skills and knowledge to help businesses grow while earning a substantial income.

#4. Adjunct Professor

Becoming an adjunct professor could be an excellent side job if you have a passion for teaching and expertise in a particular subject. Adjunct professors typically teach at multiple institutions or on a contractual basis, allowing them to share their knowledge without committing to a full-time position. With a median hourly pay of $38.87, this role not only enhances your income but also provides the satisfaction of educating the next generation.

#5. Web Designer

Web design is a creative and high-demand field. As a web designer, you create the visual layout of websites, distinguishing your role from that of web developers who build the site's structure. If you possess web design skills, taking on freelance projects can be a profitable side hustle, earning you up to $38.81 per hour. With remote work opportunities readily available, you can easily integrate web design gigs into your schedule.

Tips for Balancing Side Jobs and Full-Time Work

While having a side job can significantly boost your income and career development, it's essential to manage it effectively to avoid burnout and conflicts with your primary employment. Here are some tips to help you balance both:

  • Transparent Communication: Consider candidly discussing your side job with your employer. Numerous employers are open to flexible working arrangements if approached honestly.
  • Time Management: Use productivity tools and schedules to manage your time efficiently between multiple jobs. It is important to prioritize tasks and set clear boundaries to ensure you can deliver quality work in both roles.
  • Network Wisely: Leverage your professional network to find side gigs. Platforms like LinkedIn and FlexJobs are excellent resources for remote job opportunities.
  • Ethical Considerations: Be aware of your company's policies regarding side jobs. Ensure your side hustle is consistent with your primary job's responsibilities and ethical guidelines.

By carefully selecting a side job that aligns with your skills and managing your time effectively, you can enjoy the financial benefits and professional growth of having a remote side hustle. These five high-paying side jobs offer the perfect opportunity of achieving your personal and financial goals in 2024.

Tuesday 21 May 2024

Monetizing Skills and Knowledge in Retirement: Turning Passion into Profit

 Lieberman said that retirement opens the door for passion projects that can pay dividends. "Just because you've retired doesn't mean you have no other ways to make money," he explained. "If you've got time on your hands, writing a book can set you up for passive income once you've published it. If your book sells, you'll receive royalties from every copy, which can be unlimited lifetime income."

Another option is creating video courses based on areas of expertise. "If you have specific knowledge, you can capture it and share it for profit," Lieberman said. "Create the course once, and you can get paid no matter how many times it gets downloaded."

Stevenson added that once the upfront investment in production is made, these goods can continue generating sales for years down the line with minimal additional effort.

For retirees who have authored books, composed hit songs, or produced any other valuable intellectual property over the years, the royalty checks can keep rolling in for decades after the initial hard work is done. What could be more passive than cold, hard cash for your past creative genius?

From stocks and real estate to money lending and creative works, retirees have a wide range of paths for establishing multiple streams of income that can keep paying out long after the initial work is done. With smart planning, you can turn hobbies and existing assets into self-sustaining cash flow sources to supplement your retirement savings.

Unlocking the Potential of Your Expertise

Retirement can be an ideal time to monetize skills and knowledge accumulated over a lifetime. Leveraging these assets can provide a steady income stream, ensuring financial stability and the opportunity to pursue passion projects. Here's how you can make the most out of your expertise:

Write and Publish a Book

Writing a book can be a powerful way to generate passive income. Whether it's a novel, a memoir, or a non-fiction guide based on your professional experience, publishing a book can open the door to continuous royalties. The initial effort of writing and marketing can pay off as your book reaches an audience and sales grow.

Create and Sell Online Courses

Online education is booming, and if you have specialized knowledge or skills, creating a video course can be highly profitable. Platforms like Udemy, Teachable, and Coursera provide a marketplace for experts to share their wisdom. Once you create and upload the course, it can generate income indefinitely as students enroll over time.

Offer Consulting Services

Your professional experience can also be monetized through consulting. Many businesses and individuals seek expert advice to navigate challenges and improve their operations. Consulting can be done remotely, providing flexibility and the ability to work on your own terms.

Invest in Intellectual Property

If you've already created valuable intellectual property—such as books, music, or patents—retirement is the time to maximize these assets. Royalty income from intellectual property can be a substantial passive income source. Proper management and marketing of these assets can ensure they continue to generate revenue for years.

Diversify Income Streams

Diversifying your income streams is crucial for success in financial security in retirement. Besides intellectual property, consider investments in stocks, real estate, or peer-to-peer lending. These investments can provide additional income streams that complement the earnings from your creative and professional endeavors.

Stocks and Dividends

Investing in dividend-paying stocks provides a steady stream of income. Dividends are portions of a company's profit distributed to shareholders, offering a reliable return on investment. 

Real Estate Investments

Acquiring rental properties or investing in real estate funds generates ongoing rental income. Based on real-time trends and testimonials from numerous real estate investors, properties appreciate over time, increasing your wealth and providing a hedge against inflation.

Peer-to-Peer Lending

Platforms like Lending Club and Prosper give you the chance to lend money to individuals or small businesses in exchange for interest payments. This can diversify your income and potentially offer higher returns than traditional savings accounts. (NOTE: FURTHER PERSONAL RESEARCH IS REQUIRED BEFORE YOU INVEST ON ONLINE PLATFORMS).

Monetizing your skills and knowledge in retirement has the potential to transform your golden years into a period of financial growth and personal fulfillment. Whether through writing, teaching, consulting, or investing, there are numerous opportunities to create passive income streams. By strategically leveraging your expertise and assets, you can ensure a comfortable and enjoyable retirement free from financial worry.

Unlock the potential of your retirement by exploring these diverse and lucrative avenues. Your lifetime of knowledge and experience is a treasure trove waiting to be tapped into—start today and secure your financial future.

Monday 22 April 2024

Do you find it hard to come with achievable long-term or short-term goals? You have the goals figured out but still cannot achieve them? Personal Financial Goals You Can Actually Achieve in 2024

 Have you ever thought about why you're always broke? No matter how much you earn, you're still out of money at the end of each month, and your account is always empty by the end of each year, so whenever you need cash in any emergency, you must get a loan. 

Well, this situation is the result of not paying attention to achieving your personal financial goals. Want freedom, relief of mind, or just want to achieve a goal that costs money? You must pay attention to creating and achieving personal finance goals. 

In this blog post, I'm going to show you an easy way to build and achieve financial goals. 

Short-Term vs. Long-Term Goals:

Short-Term Goals: 

If you have a hard time sticking to a budget and achieving a big financial goal by consistently saving money, you should start by creating short-term goals and then achieve them. 

As the name shows, short-term goals are small goals that you can achieve within one month to 1 year. 

#1- Building an emergency fund equivalent to three months' living expenses.

Wise people always save a 6-month emergency fund so that if they, unfortunately, lose their job or their assets, they can still continue the same lifestyle until they get a new job. 

But if you're new to achieving financial goals, you should consider building an emergency fund of three months. If you spend $1000 monthly, you must save $3000 as an emergency fund for three months. 

The best way is to have a consistent budget which splits your money into three parts; 

  1. 50% on Needs 
  2. 30% on Wants 
  3. 20% for Savings

It's called the 50-30-20 budget rule. It's the easiest way to stick to a budget if you've never practiced budgeting. 

#2- Paying off a credit card balance.

To avoid interest, you must consider paying off your credit balance. First, you should try to stop using credit cards for your daily life purchases. Use a wallet as you can count your money while you spend, and you can stop overspending. 

#3- Saving for a vacation.

Vacations are the best way to improve your well-being. But most of the time, people avoid vacations because they cost them more than they earn. 

So, plan a vacation or a trip for a week or two, and start saving money for it before 5-6 months. So that you won't feel any burden and still you can enjoy the vacation. 

#4- Starting a side hustle to increase income

Side Hustle can be both small and large; it depends on your chosen business. If you are just starting, I would suggest going for a small hustle. 

Choose your niche, do some research, and start saving money for it. As all businesses demand some investment, you'll have a proper goal to save money for the investment. And your most significant motivation will be to increase your income. 

Whenever you save a cent, you'll have that thing in mind that from this side hustle you're going to earn more than you invest. 

Long-Term Goals

Long-term financial goals need a saving of more than a year or more. You can make a goal to save an amount each month for your retirement or meet a significant need such as buying a house or a car so that you can easily travel and save on public transport costs. 

#1- Saving for retirement

Everyone wants to retire as early as possible. But most people can't even make a proper living at the age of 50 because they haven't saved anything for their retirement. 

You don't want that, right? So, in order to save money per month, you must make a long-term goal that keeps you motivated to save an amount no matter what. The goal should be to save money for your retirement. 

#2- Buying a House

If you're paying monthly rent and want to buy a house for yourselfbut you can't afford it right now, you must think about saving money for your house. 

Save as much as possible, and one day, you'll have enough money to buy your dream house. Start by saving a little money and then increase it with time. 

#3- Investing in higher education

If you want to study more and become a highly qualified person from a prestigious university, you must think about starting to save money right now. 

Put less than half of your income or pocket money into your savings envelope and repeat it every month until you save enough to meet your university or college expenses. 

#4- Building a robust investment portfolio

You might have heard this famous saying about not putting all the eggs in one basket. The same saying goes for investment. If you put all your investments in one type of asset, for example, stocks, you're at a high 24/7 risk of losing that money. 

So, to minimize the risk, it is always advised to invest in different types of investments such as stocks, real estate, etc. Don't go for only one option. But to build that robust investment portfolio, you must need money. Where are you going to get that money? Through the savings that you'll be making each month, 

Finding Motivation

#1- Visualize Success 

When all the goals and the results are in front of you, you get motivated. So, to not lose that motivation, you must create a vision board and start counting your small steps and victories. 

And start visualizing that one day you're going to achieve that goal no matter what. But the most important thing is you must enjoy the process that brings success. 

#2- Break Goals Down 

Not everyone has enough motivation or resources to start saving a lot of money for months. So, to make your goal look more achievable, you must consider breaking down your bigger goal. 

For example, if you want to save $1000 per month, you must start by saving $100 each month or even a smaller figure. So that you will stay calm and succeed at saving even a penny. 

#3- Seek Accountability

If you're okay telling your goals to someone, then consider telling it to any of your loved ones who can visualize your growth and can hold you accountable, plus give you the motivation to be on track. 

You can also get help from a personal finance mentor. If not, then consider becoming your own best friend and track your progress on your own. 

#4- Educate Yourself

Achieving personal finance goals may sound very simple, but they require much knowledge. So, you must consider watching videos and podcasts that teach personal finance and strategies to save money efficiently, or you can read money-making and saving books. 

Go for the free options at first and then start investing in yourself to get educated about money saving. 

#5- Track Progress

The best method to get motivated is to check your expenses regularly. Frugal living demands tracking your expenses on a regular basis. 

So, if you're determined to save money for your goals, you must start living frugally; for that, you must create a budget and stick to it. Next, you need to track your spending on a weekly or daily basis and avoid impulse buying. 

Conclusion 

A person with no goals can't get that healthy dopamine that a person gets at achieving his goals. So, make your goals and start saving money to accomplish them. Start by creating short-term goals and then switch towards long-term goals. 

Top $10 Below Father's Day Gifts You Can Buy Now at Walmart

 Father's Day is fast approaching, and finding the perfect gift can be a challenge, especially if you're on a budget. Fortunately, W...