Christmas music before Thanksgiving? Tell me about it! I've been listening to non-stop Christmas music for weeks at work. I'm about to go insane, fortunately, only one more day of it.

Of course, we all know that it's smart to save and invest money. People such as the author are rather privileged to assume that people, like me, who work in retail have any money to invest after housing and medical bills.

At least my wife and I avoid running up credit card debt for Christmas which he disapproves of, we buy presents all year long and pay cash.