Do you find you break the bank for Christmas gifts or do you have a special savings account for gifts? I figure out who I want to buy gifts for or who I can bake for. Some prefer my baking to store bought gifts. This year rather than chance the hordes of angry shoppers out there, it was me and my catalogs. I was able to order all the wonderful gifts I needed and they even ship them to whomever they're for. The ones sent to me will be hand delivered by me...All I need to do now is finish writing cards. Won't do any baking yet for a coule of weeks. Gosh, I feel so liberated...and for once I am not only on time but early! Didn't go over my budget either.