Lots of people live in areas where it takes nearly all they make to keep afloat on a monthly basis so they buy Christmas on credit cards. Back when my Wife and I were young and had 4 kids we used lay-away, we paid on it for half the year so it was paid for by Christmas, no interest but I guess technically, by many measures, the experts would say we could not afford Christmas because we could not pay with excess funds all at once. I dont regret a penny of it because I wanted to give my little ones what I could, later when I made more money things were easier, if people were not willing to go in debt for what they want we would have a pi$$ poor economy.
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