It's that time of year again, time for traveling, decorating, holiday parties, family, friends, relatives and of course. . . . shopping. How many of you simply whip out the credit card and start charging every gift you can find, only to dread the day when your statement arrives in the mail?

Got something you didn't want last Christmas? Or the Christmas before that? Well, you're not the only one. They got stuff they didn't want either. "They" are your gift-recipients, the ones you gave a stale fruitcake or a can-opener or that tacky multi-colored Christmas-themed sweater to. The same fruitcake