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I buy a few things throughout the year (especially after Christmas toy clearance sales). But mostly just use "cash" funds to buy in earnest after October (my last kid birthday of the year). The only time we use credit for Christmas is online purchases.
I don't bother to save but rather buy all year as I find things on clearance sale ect. Every month is tight so December is no different. As for debt....if I had all the money we spent on gifts DH and I would be going on some nice vacations.