The gift-giving season is almost here. And with it comes the obligation to spend a lot of money buying gifts for kids, friends, relatives, co-workers . . . the list can be pretty long. How do you avoid spending too much money at this time of the year. Here's one tip: Set a limit on the cash you'll spend on gifts. Even if it requires you buy many cheap gifts, that's a sacrifice you should be willing to make as long you fulfill your obligations.