I have been hard up many times at Christmas, but a decent Christmas day dinner doesn't have to cost a fortune. I find the TV ads a bit OTT, they depict happy families with loads of presents and a table straining under the weight of food, it is not always the case. I am so glad that my kids are now in their 40s, computers, ipads, tablets, iphones etc etc were not about it was more like Action Man, Cindy Doll, Star Trek models, these didn't cost a fortune, but now £200-£500 is needed to buy anything that the kids want is the norm.