Every year is different, some holidays we have new credit cards with zero balances or extra money we have made or save through out the year. Then other years we have sickness, car repairs, thefts, job losses or any sort of unfortunate circumstances to leave us broke.

The amount of money we have should not equate to the quality of holiday you have.  I know that kids want those new shoes, new games and high tech items no matter what your income or debts are. Kids are kids. You have to sometimes reach out for help in acquiring one those dream toys by ask relatives to chip in or do a side job like Uber, Lyft or Waiter a few times to make that extra money. The smile on that kid’s face on Christmas morning is worth every penny earned, begged or sweated for.

Now, for the adults in your…