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It’s not a surprise that the First Lady was seen earlier this year shopping at Target because she like us, appreciates a good bargain and makes no secret of her love of stretching her dollars.

Even though Michelle Obama is blessed to have access to just about anything including designer outfits galore by default of being married to the most powerful man in the free world or access to uber-expensive knick knacks, she prefers to spend her clothing budget on mid-priced brands like J Crew and keeps it real by shopping in big box retailers (albeit in disguise). Gotta love her.

Christmas – the most anticipated holiday of the year is rearing it’s head once again in exactly 39 days and one question lingers… how does one embrace a holiday that comes with the expectation of multiple gift exchanges with family, friends and maybe even your boss if you’re bucking for a good raise come review time when your money’s short? The answer is you’ve got faith in your ability to turn $5 into $100 (otherwise known as creative financing) to buy some of the special people in your life a few of these cool gifts that cost less than $20.

Just check these out…

There’s not much to say about Duri’s Gift Set – Summer Romance ($15, duricosmetics.com) – just buy it because of the ultra-cute packaging and whoever you give it to will fall in love at first sight. So So cute.

Maybe gift someone the new limited-edition Alba Botanica Natural Shower Gel & Body Lotion Gift Set, Cranberry Mimosa ($9.95 each). This is the perfect gift to cure the winter blues. This set includes a fragrant Body Wash and a rich, moisturizing Body Lotion to soothe dry skin during the cold, dry winter season. These limited edition gift sets are available nationwide through the end November at Whole Foods Markets, CVS, Target, Walmart and natural food stores as well as at www.AlbaBotanica.com so hurry!

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Hue Knew It? I did.

Become a HueKnewIt.com FaceBook Fan & Follow me on Twitter: @hueknewit for product giveaways – just had two giveaways on my fan page last week so don’t miss out on your chance to win!