You’re bombarded with the message that its better to give than receive. But when the Visa bill comes in January, you may be wishing you were a little less generous. This year you may want to make your list early and check it twice. The right gift for the right price can be very hard to do. You may want to set a budget, reduce your list, and like the informercial says “set it and forget it”. Shhh!, don’t say anything but I think I may have gotten one of the things I really wanted for Christmas.