Holiday Gift Giving Doesn't Have to be a Nightmare!

The highest-spending period of the year is about to start. Each year I make lists of the perfect gifts for everyone on my list, budget carefully, intend to do all my shopping online and in plenty of time ... and each year I end up buying "spur of the moment" , stupid gifts that no-one in their right mind would want to receive (in my family's case, that's not necessarily a bad thing!), overspending wildly and rushing around on Christmas Eve doing last-minute shopping.

So this year, it's going to be different. No really, it is. No, I mean it.