DH's salary is figured partly on "bonuses," which have taken a 30% drop this year. But we worked hard on getting the house paid off last year, both drive older cars (no car payment), and we avoid credit cards, so we're doing okay. Christmas will be more about love and being with family this year, and less about $$gift giving$$, and that's okay (whether my son believes it or not...lol). We're big Dave Ramsey fans; Who needs to keep up with the Jones anyway? The Jones probably all have stress ulcers.