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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?
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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
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