One of my clients loves daisies. And once her family and friends discovered that she loves daisies, they started giving her gifts with daisies on them - everything from daisy earrings to daisy mittens and daisy towels.

Have you made your holiday list yet? Have you started shopping for your loved ones? Americans are expected to spend more than $630 billion on holiday shopping this season. Before you buy, consider the impact each potential gift will have on your loved ones.

I recently started working with a client who’s lived in her current house for 30 years and is considering downsizing in the next year or two. For the most part, she’s been really decisive about what she wants to keep and what she wants to donate. However, occasionally she’ll say to me, “A friend gave this to me, but I never really liked it. Do you think it’s okay if I donate this?”