We have restricted our presents for our 2 daughters to £100 each, which we have put on one side. They have in actual fact come to £122 roughly and they are paying the amount over £100 to us.
My wife and I are not buying each other presents.
We are not sending Christmas Cards. We will send Christmas Greetings by e-mail.
We normally go out for Christmas Dinner to give my wife a break. This year we have allocated £50 for the food and drink and will eat at home..
There you have it in a nutshell.
My wife is the breadwinner and she is self employed. If her work dries up, we are well and truly in the shit.
However, we are not carrying any credit forward by going over the top.

So Skarpi and everybody else who are in the same fertiliser, may we wish you a happy festive season and hope like we are hoping ourselves that you stay above the breadline for next year.