Always pay others back the money they loan you before you gift yourself expensive gifts, trips, meals and places to stay. Even a small amount from time to time to let them know you are making the effort makes a huge statement. You will earn the respect of others in business, and your personal life, far greater and faster if you take this lesson to heart.
Do everything in your power to avoid debt. It racks up. It is sneaky. It follows you and it can destroy relationships, businesses and your happiness. The most important present is being present. Even expensive gifts when given without a personal connection can feel empty. Time, attention, thoughtfulness, and interest in someone else go a long way.