do you save for christmas or do you get a lone from the bank?

I usually do not save my money because it needs to be spent on food etc I need more money

Neither.

I usually get a loan from the bank I like to pay high interest on it

Neither. What for?

I buy stuff all year long..sales and when my kids mention something for the umpteenth time...usually by Christmas you can't find what they want and it's easier to pay at at intervals than all at once. Plus there is no pint to buying something on sale with a credit card...you end paying more in the end.

if i ever need a loan to purchase presents for christmas...that would mean my family/friends are expecting too much and are losing site of the meaning of christmas... we usually give/receive family gifts and/or do a $20-50 secret santa exchange...the youngens still get their fair share of toys/games, but are taught that christmas is more then the gifts...