My husband and I were in a hard place financially last year around Christmas time. The bills exceeded our income. I had been home for a year caring for our one-year-old daughter who suffered from a chronic skin condition. My husband was working, but it was not enough to supplement all of our expenses. We did not have much money and I felt a lot of shame around not being able to give our daughter a BIG first Christmas. But then I heard about the Five Gift Rule on the radio and it changed my whole perspective on gift giving. It also helped our family create a new Christmas tradition that doesn’t involve spending hundreds and hundreds of dollars on gifts for our child.