Of course it is a pleasure to give to people we love and like, but there does for some people come a time when it is necessary to 'count the cost'. Everything continues to rise in price - except of course gift vouchers, but you can buy less with these this year than you did last. I think it is wise to cut back if money becomes a worry and you get into debt. Why do that when Christmas is supposed to be a happy event? We never started by giving our grandchildren expensive presents, and our children never received these either, so no-one expects anything very much from us. Which is just as well because as time has passed, less money has become available. They don't think any the less of us, and know that we will always give them what we can, and our love is always there which is the important thing.