Nice advice for this time of year Jessica! That time when we.re kids and it gets all competitive about can be fun when we are 12 and have no income, but that goes bad by the time we are 20 and have money and credit to overspend.

Family competitions get old and can spoil things during a time that we need to pull together and love each other. Toxic gifting is just as bad as spitting in a loved ones face and giving them the bird for good measure.