I know it is the season of giving..stuff. So why am I irritated? Why do we need so much stuff? Here are a couple of observations: It seems that people over buy - especially for kids! I mean, lots of time I have witnessed a child open a bunch of gifts and then just play with one. Or the really little ones just want to play with the paper, or the box it came in - hmmm... what about putting all that money into a savings account for the child? I know why - because people don't really have the money, they are using credit. Doesn't that seem like a problem? But our government does it? Spends more then they have, then others have to pay for it. This year I did not get a lot of stuff, almost everything I got I will use frequently - and it felt great! Being a financially responsible family we decided to scale back on the amount of gifts to purchase, how smart is that? How did we figure that out? Basic high school consumer economics, sign your child up for Consumer Economics or better yet - Financing.