Christmas on the Cheap by Margaret Ullrich

There are less than four weeks left until Christmas.  

     

I know, it's more blessed to give than to receive.  But, unless you have ways of shopping that you don't want the police to know about, giving means money. 

     

It's a little late to start a Christmas account and utility companies really lose that 

Ho Ho Ho spirit if you skip paying their bills.  

If the charge cards are maxed