If you can't afford to pay for gifts with your regular paycheck then you sure as hell can't afford credit card debt. Didn't Jimmy Carter try to warn us about this?
Is that seriously a story in the newspaper? This is why people don't like newspapers anymore. When they should be reporting on why the roads are so bad and why even have a mayor if they have no power, they instead do pointless stories that basically equate to "Hey, It's December 5th!"