If you haven't got round to doing your Christmas shopping then shame on you! And shame on me because nor have I. Each year I promise myself I'm going to be organised and start my shopping in November. I believe I'll be able to do it online because it's so much easier. I imagine myself merrily clicking my way through my shopping list without giving a second thought to my credit card bill.

Unfortunately, things haven't turned out like that. It's too late to do online shopping and as a result I'm sure my credit card bill will be much worse because by December 24 I'll be in the grip of guilt shopping. This is when all I do is buy, buy, buy in an attempt to compensate my nearest and dearest for my lack of organisation. Yes, in short, …