Every week a Guardian Money reader submits a question, and it's up to you to help them out. A selection of the best answers will appear in Saturday's paper.
Can you avoid buying Christmas gifts without looking like Scrooge? Photograph: David Sillitoe
This week's question:
The thought of Christmas is already filling me with dread and I'd like to disappear until it's all over. I don't want my relatives to think I'm a Scrooge, but most of them already have all they will ever need. How do other readers survive the season of needless giving?