This year's Christmas Gifts Shopping

The credit crunch and soaring bills will surely make it a miserly Christmas. People have seen their disposable income drop to nearly a third in two years. Most households are left with just 25 per cent of monthly salary after paying bills.

According to research by Abbey Credit Cards, a quarter of the disposable income goes on mortgage or rent alone, whilst the rising cost of living is hitting hard.

The financial crisis is also set to make this year's Christmas a miserly affair and there will be a drop in the average money spent on Christmas gifts. But the research also reckons gadgets such as the Nokia N96 will be among the top gifts this year.

It's probably time to go bargain hunting. The earlier you get your Christmas gifts the better, in last minute rush you will just end up paying far too much for goods that you can get cheap now.

You can save money by looking for your Christmas gifts from online shops like Amazon.com and myself I shop at Argos.co.uk or any other online stores, you need to shop around.

HMV Offers - James Bond: Quantum Of Solace the game

For all HMV Offers and Special deals shop at  HMV.co.uk

James Bond is back to settle the score in the 'Quantum of Solace' game. Introducing a more lethal and cunningly efficient Bond, the game blends intense first-person action with a unique third-person cover combat system that allows players to truly feel what it is like to be the ultimate secret agent as they use their stealth, precision shooting and lethal combat skills to progress through missions.

Seamlessly blending the heart-pounding action and excitement of the upcoming “Quantum of Solace” feature film with the “Casino Royale” movie, the title propels players into the cinematic experience of international espionage. Based on the renowned 'Call of Duty 4: Modern Warfare' game engine that has been specifically engineered to immerse players in the Bond universe, the 'Quantum of Solace' game delivers superior high-definition graphics, reactive AI and visually stunning locations inspired by locales portrayed in the films.

For more great deals and offers shop at HMV.co.uk