I got a jar that counts the change I put in so that I know how much is in there ... lazy, I know, but what the hell, I'm old.
Also my Credit Union offers me a line of credit, which I politely decline ...
(As an aside, I remember that my grandad bought nowt on tick (OMG ... flashbacks)
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For Christmas, I buy for a few close friends, and that's it. Of course, I buy stockings for my animals so that they have something to destroy while I read them the Christmas story ... with emphasis on the animals in the story of course.