I love Christmas, but hate how it is always accompanied with messages of “Buy! Buy! Buy!” The craziness all starts this Friday when the hoards battle to snag “good deals,” whether or not they really need everything piled in their shopping carts. People seem to have accepted that it’s normal to have big credit card bills in January . . . that the holiday spirit comes with a big price tag. I want to tell you that with a bit of planning and creativity, it is possible to save money and still have a very Merry Christmas.