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How to avoid Christmas debt overload
by: Rose Lenk
The Christmas season is truly the season of giving. There is no other time of the year when people’s hearts are as open or their hands are as freely generous as they are during the Christmas holiday. I mean, even our favorite Christmas motto states, “It is better to give than to receive.”

While giving does fill your heart with joy and help those who are less fortunate than us, many have taken this motto to extremes when it comes to buying Christmas presents for their children, spouses and other family members.

It is not uncommon for families to run up tremendous high-interest credit card debt to buy their children elaborate and expensive gifts such as computers, stereos and designer clothes as Christmas gifts.

Just take a look at the commercials that air constantly during the Christmas season. They all have one goal in mind: to motivate you to spend as much money as you can during the holidays.

I can remember one commercial in particular that advertised a leading high-end car manufacturer. The husband opened up his gift from his lovely wife to reveal a set of keys. When he went outside to look in the drive, there was a very expensive, sleek and seductive sports car. Seriously, who has been good enough all year to deserve a $50,000 luxury sports car? But the message is clear, give the very best. The same angle is used on men when it comes to buying expensive jewelry for their wives. It’s never ending.


Now, I’m not saying that advertisers are to blame for our ballooning Christmas debt. They are simply armed with the knowledge that more consumer spending takes place during the holidays, and they want a piece of the pie.


The fault then lies with our own inability to curb our holiday spending. It seems that even if we do not have the money to finance a lavish Christmas, we will still purchase one using our high-interest credit cards and worry about paying it off later. And worry we do.


If this scenario sounds familiar, it doesn’t have to be that way yet again this Christmas. You can take a few simple steps to alleviate Christmas debt altogether.

Here’s how:

· Spread your holiday spending throughout the year. If you’re one of those people who love to lavish your family members with expensive gifts during the Christmas season and you don’t want to stop the practice, you can avoid a debt hangover by spreading your purchases throughout the year instead of all at once a few weeks before Christmas.

· Set a holiday budget. Decide what you can reasonably afford to spend during the holidays and do not go above that amount even if it means sacrificing gifts along the way.

· Buy only for those closest to you. Contrary to what you might believe, you do not need to buy gifts for all 27 of your nieces and nephews. Buy for those in your household first, and then, if you have any left over, buy for those closest to you. You should also avoid buying for everyone at work. Just because someone buys for you that does not mean that you need to return the favor. Simply send a Thank You card and remember to put them on your Christmas card list.

· Remember that the best gifts come from the heart and not the department store. Likely many in your family would enjoy spending more time with you during the holiday season instead of watching you run from store to store trying to find the perfect gifts. Why not opt to spend more time together this year and keep gift giving to a minimum?

· Homemade gifts mean more and are less expensive. Wouldn’t it warm your heart to know that your beloved Aunt or Grandma baked your favorite Christmas treat especially for you? You wouldn’t have to know that yours was just a sampling of a large batch that she also distributed to her beautician, neighbors and friends. It didn’t cost her much money, and it won’t cost you much either to do the same for your friends.

So, before you get caught up in the frenzy of Christmas consumer spending, take a moment to reflect on what is most important to you and your family during the holiday season.




About the author:
By Rose Lenk
For more christmas information visit http://www.holidayprize.com



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 Music for the Christmas Holidays
 by: Tony Wiseman

In our multi-cultural societies today the run up to Christmas is experienced in many different ways. The commercial version pioneered by Coca Cola's magazine advertisements which established the red suited Santa Claus image, washes over us all through the TV advertisements and the decorations in the High Streets and shopping Malls. They built on and reinforced the Victorian version of Christmas celebrations which was dramatised by Charles Dickens in 'A Christmas Carol' which established many of the associated food and garland rituals in the public imagination - and helped Coca Cola promote their winter beverage sales. Much of this is accompanied by 'seasonal' music in the form of carols and hymns - often coral arrangements but sometimes instrumental - especially brass bands and the dreaded sentimental Christmas pop songs.

Music is often a subtle way of getting under the radar and evoking emotional responses from our subconscious. The commercial focus on Christmas seeks to convert these feelings into purchases - sometimes in crude direct appeals to consume but often in a more indirect atmospheric ways. While the committed Christians concentrate on re-telling the Christmas story through as many media as possible, including music - using the Advent season to recharge their spiritual batteries and encourage others to join them. Their tunes and some times even the words are often hijacked by those who wish to evoke a warm hearted relaxed atmosphere for the sale of their particular goods.

Much of this activity assumes a common Christian heritage and must strike those who do not share that background very oddly, not to mention the truly seasonal issues for those in the Southern Hemisphere who celebrate Christmas in mid summer rather than the deep mid winter. There is also the rival celebration of New Year which is a predominantly secular affair with a very limited musical repertoire - mostly of Scottish origin for some reason and this eclipses Christmas in many countries. Christians adopted the pagan Winter Solstice celebrations as part of their missionary progress but those ties were loosened by the reformation and the French, American and Russian Revolutions amongst others.

The seasonal hit at Download2MP3.com is Tchaikovsky's Nutcracker Suite with its Sugar Plum Fairy which fits neatly into the Victorian Christmas story telling context. While Debussy's Children's Corner with it's 'The Snow is Dancing' (Northern Hemisphere Christmas/Mid Winter associations) is another favourite and forms the backbone of our Children's Classics Collection which includes several of our shorter and lower priced recordings. Other beneficaiaries include our instrumental versions of the Hallelujah Chorus from Handel's Messiah and Gounod's Ave Maria

Recordings like these are an ideal way to personalize those iPod or MP3 player gifts for a few dollars more - perhaps introducing children to the classics in an accessible, amusing and memorable way.


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