Holiday Gifts

If you can't afford holiday gifts, don't go into debt to buy them! This site has lots of suggestions for very low cost handmade gifts and fun activities that cost almost nothing.

Those who are working and poor often can't save for emergencies or the unexpected. Debt mounts easily with no savings or excess income as a cushion.

Being unable to pay for the basics is an emergency, so many turn to credit cards. What starts as a quick solution can become an overwhelming problem.

Maria Halstead, a secretary and mother of three, started using credit cards to pay for holiday gifts and occasional groceries. She and her now-estranged husband racked up $10,000 of debt on seven credit cards, using them for nearly everything.

The debt is like an infection, spreading to other areas of her life. For instance, she can't afford to get a divorce, yet she makes too much to qualify for legal aid.

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