Unless you happened to have hit the Powerball last night likely the biggest concern on your holiday horizon is how on earth you will find the time and money to purchase adequate Christmas gifts for everyone on your list this year.

Some revel in the holiday pressure, getting all their gifts wrapped and under the tree long before the Christmas craze really sets in, while others like myself prefer to wait to the absolute last minute. Some strictly shop online, some make their own gifts, and some take the easy way out buy giving everyone Target gift cards.

Our question to you this morning is: