The most desirable Christmas gifts at affordable prices: smart selections from the Bargain Queens for everybody on your list.

Dreaming of a bargain Christmas? These lists of gift ideas under $20 are a great place to start:

• gorgeous earrings to suit everyone
• bags for him and her
• wallets for him and her
• musts for music lovers
  
• pampering treats for happy feet
• luxuries for frequent travelers
• healing help for happy hands
• best gifts for booklovers
• homemade goodies
• treats for tea drinkers
• top tech toys
• grooming gear for gorgeous guys
  
• buys for budding artists
• gifts for exhausted loved ones
• finds for four-legged friends

And consider these utterly desirable, luxe gifts which any stylish gal would love to receive:

Spa gift certificate

Last-minute gift buying calls for near-instant email delivery