I am with you Sandygirl! If you don’t tip the wait staff, stay home. I have stopped participating in gift exchanges And also gifts from friends who are far away. Since we haven’t seen each other in years those gifts became much harder to find, purchase and mail. Our family gives to favorite charities for Christmas though we still give gifts to the children. We enjoy our time together so much more than when we came with a car loaded with packages that likely ended up at The local thrift store. In the past we have adopted families and that was really a great experience.