Think about gifts well in advance
The best gifts are those well thought over, sending a message. Think earlier what would make bride and groom or your children at Christmas happy. Gift already chosen – make decision how to finance your purchase – using savings or a loan. If you do not have a nice idea, a pre-paid card could make an ideal gift – recipient will be able to choose him/herself what to spend the money on.
There are unexpected occasions requiring you to buy a gift. In the circumstances you can quickly borrow a required amount from the Bank.