DAVID'S PLACE:

                                                                                              Tips for Holiday Shopping Try to pay cash anytime you can. It's too easy to use credit cards which cause many people to over spend.  Set a budget and don't exceed it. That way the last ones you buy gifts for don't get cheated. If you are paying with credit cards take a minute to determine the cards with the least expensive interest rates. Get the easiest gifts purchased first. The less to think about the better. Make lists of everything and be organized.. Write down the names of the difficult people you must shop for and get creative. Look online if you are stuck. You will get many ideas that way. Buy online. Its safe, fast, and easy. Don't be afraid if you have not shopped online before. Just do it. Don't get frustrated by gift buying. It's supposed to be fun. Make it enjoyable. Take your time, stop for a treat, or go with a friend. Don't make your