I’m not going to lie, money is tight. Two kids in daycare full time pretty much eats up my full salary. I’d stay home, but I’m lucky – I’m contributing to a pension through my job (not to mention vacation time, compressed days, benefits etc..). So when it comes to Christmas gifts I had to get creative. We have no money. Between my 2 daughters there are six caregivers for us to give Christmas gifts to. I also have 3 co-workers in my department. That makes for 9 people to give gifts to. A $20 gift for each of them translates to $180! YIKES! I still have 13 family members to buy for….