Last year was the first Christmas that we didn't go into debt (charging gifts on credit cards) and we're so much better for it.

Since we live away from family, we don't buy for anyone except the kids. Actually, we give them each a check. [Smile]

For hubby and I, we decide throughout the year, what our one purchase is going to be for "us".

We send cards out to everyone (I have a big card budget!)

We don't have a set budget for gifts, but whatever we spend has to be "cash"... no gifts on credit card. In one more year we'll be "debt" free (except our mortgage) and that is the best gift we could ever give ourselves.