I'm going to continue with my budgeting this year, i did really well this year, i was good the year before, but for the pasted two years, haven't bought any presents on credit!!
Here in the uk we have loyalty cards you get points for every time you spend in a store, or supermarket you can then reclaim these points off your shopping, i collect points from 3 stores this year and basically got my christmas food shopping for free!! Have already started saving the points for 2008!