Just say NO was a anti drugs slogan way back when. This week I have been screaming it at the TV. There was a report saying people could not handle the Christmas debt and got up to £2000 on credit cards.
For goodness sake people. Say NO. You don't need ALL the trimmings. Be sensible.
If you can't afford presents, explain to that wider circle of relatives and friends that you love them any way and when your "ship comes in" they will be invited on board. Concentrate on the kids.
If you can't afford the office/works lunch out, bake a cake one afternoon or offer to make coffee when they eventually stagger back.
Debt is not worth the 5 mins pleasure on one day of the year.
