Maybe I am a scrooge but I buy only what we can afford and pay cash for them. I have had to cut way back on my baking and candy making because of age and RA. Christmas for us is worshiping our Lord for His birth and being with those we love. Charity means so much to those in need and seeing children's faces light up when they get gifts they were not expecting. So I feel when we put what is important first we are just being sensible.