I use my credit card the same way as H R and pay it in full before it attracts any interest. I never spend money I haven't got and I have never been overdrawn with my bank. We've had a very good Christmas/New Year without overspending.
Nik, for her part, had been buying shopping vouchers all year, through work, and had over £200 worth to spend in various shops and stores - so that was her Christmas presents sorted.
