Howard Dayton, former host of the program and author of several books on biblical finances, gives advice for last-minute Christmas shopping. He suggests setting a budget and making a list of everyone to buy for, and to focus on meaningful, inexpensive gifts. He also advises against using credit cards, and suggests using proceeds from an injury settlement or paying off credit card debt in the wisest way. Lastly, he encourages giving to the poor as a special gift to Christ.