It’s the day before Christmas and you still have room on your credit card?? Did you not get the memo that Christmas is ALL about stressing yourself out about who you bought for and didn’t? Get in that car right now, head over to the mall and give Mr. Visa a final work-out. After all, the best part is getting that nice thick envelope with pages and pages of charges in January.

If you still have people to impress and show that you “love”, forget the malls…

Send electronic gift certificates or gift cards. Another option is an online gift certificate that gets sent out via e-mail. Many retailers offer them, and their convenience to you is unparalleled – so long as you feel reasonably comfortable that your recipient won’t mistake your electronic gift for spam. Some retailers allow the certificates to be used only on their Web sites, not in their stores, so make sure the person on the receiving end is comfortable shopping online. You’ll often have until around noon on Dec. 24 to order the e-gift cards and guarantee their timely arrival.