Christmas is less than three weeks away. So it's time to celebrate ... and to spend. Christmas can be very costly. You can find a way to buy presents and keep your friends happy even if you don't have a lot of money. Shopping list: Don't get carried away when you see beautifully packaged gifts. Before you go shopping, draw up a list of the people you want to buy presents for. Exercise self-control. Only buy what's on your list. Anticipate: Presents are not the only things you have to spend on. To calculate how much you want to spend on presents, first do a budget for all your expenses. Budget: After you have decided how much you want to spend on presents, divide your total budget for presents by the number of people on your list. Then you will know the average cost of each present. When you go shopping, only take the amount you need. Handmade presents: Choose non-monetary presents - maybe you can offer some of your time or skills. You can take part in a one-hour reading session with your little brother. Or you can cook dinner for your parents one night. You can also make your own presents. Show that you care about people without spending all your money.