over budget with christmas and new year?

To help your Christmas budget, you need to plan ahead. even a simple move like putting aside $30 each month can help you at Christmas. If you put aside $30/mont from Jan - Nov 11*$30 = $330. You can easily buy Christmas presents with that. If you stay on MyLot all next year and let the money sit in your payapl account, you can fund christmas using that. For the New Year, you should sit down and create a budget and stick to it. It is pointless to have a budget if you don't stick to it. Make sure when you set up your budget that you are putting something away in a savings account or retirement fund, even if it is $5/month, it is better than nothing!