Christmas is just around the corner. You have this great new job with this great new salary. You want to buy your entire family gifts now that you have income. As the gift list piles up, you realize that this is going to be more expensive than you thought. What will you do? Disregard expenses. I can pay the balance when my tax return comes. I can afford to splurge a little, but there is no reason to get crazy and out of control. Downsize the gift list a bit.