also, with the holidays coming up...I wanted to urge you to check out this article from About.com. It discusses why you should AVOID (like the plague) putting holiday spending on your credit cards. Please, please, PLEASE don't use credit for holiday shopping. It's a vicious cycle!
Holiday Hangover: Avoid Credit Card Debt during the Holidays
If you want some great, cheap gift ideas, check out OrganizedChristmas.com. It will help with your holiday planning!