If You Haven’t Got a Penny…

People’s grave concerns about the economy are bound to affect how they celebrate Christmas this year.


Christmas parties are already being canceled
by cash strapped employers. There is no talk of this year’s Tickle Me Elmo.

My wife and I made a no Christmas presents pact years ago. It was not entirely a financial decision. Gift giving can be stressful for many of us.

Food is going to be a major focus of Christmas in my house this year. Free streaming Christmas music will probably play a role as well.




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