You need to buy a gift for an upcoming event, but you can't decide what to buy, or perhaps the recipient is particularly tough to shop for. The solution is simple: a gift certificate chosen specifically for the guest of honor.

Decide on the amount you would like to spend. The beauty of a gift certificate is that there's little danger of going over your budget.

Investigate your friend or loved one's tastes. Does he or she have a favorite store? A favorite activity? Retail establishments that offer gift certificates include department stores, bookstores, sporting goods stores, garden centers and housewares stores.

Consider a service-oriented gift certificate for a facial or for a visit to a day spa (for women or men). This is the perfect gift for your overworked friends who hate to shop.

Call the store in advance to make certain it offers gift certificates. If you're shopping for someone long-distance, make sure the store has a branch in the recipient's town.

Buy a large greeting card in which to put the gift certificate. Humorous cards are usually appreciated.

Wrap the gift certificate or card with glitzy gift wrap and a bow.

An easy-to-mail gift certificate can minimize your holiday angst - especially in December. While you're at it, why not buy a few extra certificates to keep on hand for future gift-giving occasions?

Online gift certificates are also an excellent option, especially if the event is rapidly approaching. You don't have to leave the office - and neither does your recipient!