As for my children, probably 90% of their shopping is done. Was done with cash between December 26th last year and now.
The other 10% will be paid for with cash or the Target card.
As for extended family(siblings, inlaws, nieces, nephews-all 28 of them), we will likely just have a big dinner at my MIL's house.
Cash-only, as usual. We got into a bit of a habit the past two years of supplementing cash with a bit extra on the AAFES card, but we won't do it this year.
For the first time ever, DH is in a job that gets a Xmas bonus, so we'll be using the cash bonus only, and any extra money will pay down the CCs even more. I can't think of a better gift than a FICO boost, anyway!
We have never been into huge Christmases. DH & I don't buy for each other at all. But w/ six children, plus a new SO and the first grandchild on the way, even our "small" Christmas can cost a pretty penny!
OPM - Other People's Money
I've filed a request with the OBS - Office of Bailout Supervision
We are dept free of everything but medical bills. We will not be buying many Christmas presents this year since we have little extra money on hand.
As for cc's we have none so we won't be tempted to use them.
I will make a special trip to see my mother sometime in December, since she had surgery about a month ago.