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It's never happened to me, but I can see how it would be a tight situation. I dislike it when you put a lot of effort into someone's present and you get something like money in return. Money just makes it seem unthoughtful. I always put a lot into gifts.
I told one of my friends that I just finished christmas shopping (for him too) and he said "What? You're getting me something and I don't have to get you somethnig back? Sweet deal". I don't care if someone isn't able to afford something back, but that's just rude.
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