The nearer Christmas gets, the more frantic we become, until finally we rush out to buy something—anything. We’re bothered about these choices because we want the receiver to like his or her gift because we fear people’s opinion of us, based on our gift.

September and October are the perfect months to start planning your Christmas gift shopping, especially if you’re on a tight budget.  You can carefully choose the gifts and you don’t have to buy them in bulk.  You can buy gifts in a series of shopping trips.  But no matter how early one plans the gifts to give, it is quite realistic to say that no Christmas ever dawns that doesn’t bring its own disappointments, regrets, and plain old sulking...READ MORE>>>