mysql_query("UPDATE `user` SET `money` = '" . ($user['money'] - $gift['money']) . "' WHERE `id` = '$user[id]'");
вставить вот это mysql_query("UPDATE `user` SET `rating` = '" . ($user['rating'] + $gift['money']) . "' WHERE `id` = '$user[id]'");
mysql_query("UPDATE `user` SET `money` = '" . ($user['money'] - $gift['money']) . "' WHERE `id` = '$user[id]'");
вставить вот это mysql_query("UPDATE `user` SET `rating` = '" . ($user['rating'] + $gift['money']) . "' WHERE `id` = '$user[id]'");