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How To Shop For Christmas Gifts
By Steve Hawker

Okay. Christmas is coming, fast. It's time to panic. After all, you don't want to relive last Christmas Eve. There you were, at ten to five in the evening, standing in a large department store, with two gifts still to buy and a distinct shortage of cash. 'Never again!' you said at the time. Remember?

Here is a rough guide on how to shop for Christmas gifts:

1. Decide how much you can really afford to spend. Now, take 10% off that figure for extras, like wrapping paper, ribbon, bows, tags etc. Then, divide the sum remaining by the number of people you will probably buy gifts for. Redistribute the money, so that you allocate more to close friends and relatives and less to distant ones. You...
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