By Efren Ll. Cruz
QUESTION: I want to give something special to my relatives and friends every Christmas. Time and again, however, I found myself short on spending money as whatever extra income I had earned went to paying past debts. Do you have any suggestions on how I can use the little money I have to buy special gifts? —posted on PFA’s “ask a friend, ask Efren” service at www.personalfinance.ph
By Jeanette Ipapo-Tuason
Christmas has sneaked up on us again like it was just last month (maybe because you just finished paying for your 2011 Santa spree last November.) Once more it is time to rack your brains on the perfect gift to give to your loved ones or people you need to impress. Gift-giving is some sort of test on how much you know the recipient and unlike in the United States where you can return your gift to the store, we are stuck with what we receive (until you recycle it). So just to help you out, here are some gifts worth considering for a car enthusiast. Some are obscenely priced while others are more affordable but any of them will surely be appreciated.