Money & SavingsI saw this great cartoon the other day. “Black Friday: Because only in America, people trample others for sales exactly one day after being thankful for what they already have.”  Funny, but true. Now don’t accuse me of being a humbug. I like to celebrate the holidays just as much as anybody else. Although when it comes to gift giving, I do prefer a somewhat more measured approach than is apparently the American norm. I like to think of the …