We are at that time of the year when millions of people buy holiday gifts. How about giving a gift that although it does not have the glitz and glamour of a traditional gift, it can be more valuable to someone for years to come. If you know someone going through some financial burdens, how about sending them a free 15 page report called 21 Ways to Avoid Debt. Just click on the products tab and download a copy and send it to them.  This will be a great way for them to start off next year. Don’t forget to tell them to ask how they can claim their set of other complimentary e-books.