I shop throughout the year - when I find odd/unique/different things that I don't think anyone else will pick up - I snag them.
My grandmother did this - she had 8 kids who all had spouses and grandkids. Toward Christmas, she put everyone's name on an index card or piece of paper and place things that she had picked up near everyone's name. She made some rearrangements and picked up other stuff if she needed to and everyone got something.
If I don;t have enough for everyone, then it is time to get out the glycerin, scents, and silicone baking things and make soap/gift baskets for everyone else.
ps...no credit cards needed! No bills to pay! Debt-free Christmas!