This is not time to repeat the past and rack up a lot of debt for Christmas. With the national unemployment rate rising from 9.6 percent to 9.8 percent for the month of November it is time for a new kind of Christmas celebration. This new kind of holiday celebration is what I call a spending limit Christmas, given that being ostentatious may not be politically correct or financially feasible with over 15 million people unemployed. Choose a figure of $20 each as an example for total gift giving.
Tight Family Circle
Reach out to extended family members with well wishes and love that does not cost money. Let your extended family and friends know what your employment and financial situation is and they will understand the lack of Christmas cards or gifts. Think about the cost of a holiday card in a package set being $.68 each from a discount store and a first-class stamp coming in at $.44 for a combined $1.12 per mailing. If you were to send out 50 cards the cost would be $50.00. Most people can get to 50 friends, family and work associates to mail cards to with little effort.
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