When Suze Orman spoke on the tele recently about one of her family members emailing everyone that this Christmas would have no gift giving, she very eloquently explained how a burden was placed on those in the family with less because of receiving gifts.

However, her voice changed as she spoke of not giving and financial reasons aside – when that happened in our family from one of our members much better off than me – I gave gifts anyway because it is not up to someone else to decide how I express my Christmas and feelings for them.

The fact is that now more than ever, creativity and innovative thinking is needed. So, does that mean I have to do holiday giving and celebrations in any prescribed way – all or nothing?.