Bit lte in the day to tell you this now,seeing as its nearly November, but had you thought of buying a few presents before now?
I started buying the odd present from August onwards, its the only way I can afford presents. Today I'm going out and buying the last couple of family presents that I need to get. This leaves me with only my hubby and toddler presents to buy next month.
Whatever you do- don't go into debt buying presents, i'm sure your relatives would be horrified if they knew their presents made you destitute!
I'm sure if you tell them exactly how your finances are regarding Xmas, they'll understand perfectly.