You had me worried with the title of the thread for a moment. Here is how the Cardero household deals with family and relatives about gifts. If he (meaning me)wants to give gifts to his side of the family, he (that's me) pays for them. If she (mrscardero) wants to give gifts to her side of the family she (mrscardero that is) pays for them. This also works for friends birthday, weddings, barmitzvahs, etc. as well. Her relations, she pays, my relations, I pay. If there is a problem with money, save and/or buy early. If you can fortell there will be a problem around Christmas time concerning gifts make it clear to family and friends early you are not interested in the holidays or exchanging this year. If money is tight, make something (anything) with your own two hands, it will always be appreciated. DON'T FIGHT OR ARGUE OVER MONEY ISSUES WITH LOVED ONES DURING THE HOLIDAYS...it's not worth it.