The 12 toys kids will be desperate to get their hands on this Christmas have been revealed.

The must have Christmas toys for 2007 have been released with hi-tech gadgets leading the pack. Interactive items are hoping to dominate children's wish lists, according to the Toy Retailers Association (TRA).

A Doctor Who voice changer mask, the Optimus Prime robot from hit movie Transformers, and a remote-controlled flying insect are included on the list.

A hand-held electronic device which plays word games will also be setting young hearts fluttering.

Great news for the kids of course, but what about the parents? With the monthly struggle to make ends meet, the stakes are dramatically raised in December. Many families end up maxing out credit cards, or taking out high interest loans to make sure they're children get what they want, ALL of it.

There is a new way to manage money this Christmas. In the summer a dramatically different internet based business was launched. Roadmap to Riches harnesses the immense power of the web with the $8.9billion personal development business to create a new opportunity for ordinary people to make money on line.

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