Overview
Any business transactions you have today will have a long-lasting effect on your financial health, so you would be wise to take a very conservative approach to them. Don't spend any more of your hard-earned dollars than you absolutely have to, right now, and that also applies to buying gifts for people. Instead of wowing the birthday boy or girl with a night on the town, how about making them a nice home-cooked meal? They'll appreciate your efforts more than your money.
