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Christmas on a Budget

Question My husband lost his job two weeks ago and it looks unlikely that he'll be employed before the holidays. Big gifts aren't a smart idea this year but I still want Christmas to be fun for the kids, ages five and seven.

Any ideas for low-cost gifts they'll like or other ways to make the holiday special without splurging? While I know we can't totally shelter our children from this unfortunate occurance, I don't want them to feel stress from it.

Answer Christmas is a time to protect childhood innocence, not to slap children in the face with the harsh realities of the adult world. You're facing a special challenge this year.

LEVEL WITH THEM On the one hand, you must let your children know that Daddy isn't working right now. Reassure them that he'll get another job, but that in the meantime there simply isn't a lot of money for extras. Include the fact that although there will be presents under the tree, they won't be as grandiose as in years past.

On the other hand, you don't want to burden your children with the stress and concern that, as you said, may rob them unnecessarily of a fun-filled Christmas. Don't overwhelm them with your entire financial picture--they can't understand it so don't go into details.

LESS IS MORE When it comes to presents for children your age, less is often more. School-aged kids are industrious and competent. They like items they can put together, such as models or jewelry.

Other ideas: Collections are big in elementary school and you can't go wrong with a gift that supports the latest fad. Or consider a sleeping bag and with it give your kids permission to throw their first slumber party. Also, school-aged kids yearn for competitive games and sports. You can often find secondhand video games and sports equipment at bargain prices.

MAKE THE SEASON SPECIAL Work to establish some new Christmas traditions that don't cost money and be sure to involve your kids. They're competent and most likely will want to be involved in decorating, cookie baking and gift wrapping. Ask each what would make Christmas special for them. Their requests will surprise you, and most likely they'll be simple and easy to grant.

Your attitude for a fun yet different holiday season will spill over onto your children. It's going to be difficult to hide the stress you're feeling from your kids, but if you stay upbeat and positive, this Christmas should be as merry as any other.

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