I have been hearing murmurs about Christmas guilt as the big day gets closer. People are second guessing their decisions to not buy for the extended family. People are thinking that just one item may not satisfy their children. People feel bad for leaving out teachers, mail men, co-workers. People are worried about what they will do if someone gives them a gift if they did not give them anything back. It’s enough to make me want to hide in my room until January first. During the last month or perhaps longer most of use frugal people have seriously considered … Continue reading →