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Hear Ellen Jaffe on 101.5 LITE FM and weekdays 5:00-9:00 p.m. ET
 E-Mail Ellen              Twitter: @JaffeEllen              Read all posts from Ellen's blog
Last-minute gifts? Dilemma resolved.
Posted 12/24/2012 6:29:00 AM

Are you one of the 132 MILLION Americans who haven't finished their Christmas gift shopping yet? You may be tempted to just grab some cash from the ATM and toss it into a card. Psychologists suggest otherwise.

The problem with cash is that many people feel guilty about buying things for themselves, and may feel like they 'should' use the money to pay bills or buy necessities like groceries. The same holds true for generic gift cards that can be used anywhere. Instead, consider a gift card for a specific store. That gives the person the opportunity to get themselves something they want, but that they might not have bought for themselves otherwise. A spa gift cards are a great option for a friend who won't normally indulge herself.

When it gets down to the last few hours of shopping, people often fall back on the safe standards - flowers ...

AUTHOR: Ellen Jaffe
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