I don't want to threadjack or anything, but I just wanted to comment on the Santa thing. I always LOVED the idea of Santa, both as a child and as an adult. I definitely engaged my children in it, too. When I felt it was time for them to know (the age at which I felt it would embarrass them to defend a belief in Santa), I sat each one down and asked why they thought Santa would bring them gifts. Without fail, each of them answered, "Because he loves us." I gently asked each one who loved them more than anything else in the whole world. They thought and then nodded and smiled, and we never spoke another word of it again. They still get gifts from Santa, and so do I. Somehow, Santa never got the memo that I moved, though, so he drops the gifts for me at my mum's house. I agree that debt or living beyond one's means is not a good thing, but in my experience a belief in Santa never has to be "crushed". Indeed, if handled properly, I think it can really open a person's heart to the joy of giving and deepen their love and trust in their parents and family.