It is interesting how the birth of Jesus has come to support gift giving, elaborate decorations, and jolly old Santa Claus. Certainly, believers and many non-believers alike enjoy the music, the festive atmosphere, and the joyous spirit and family traditions that Christmas brings. Giving gifts also helps drive economic growth, brings profit to corporations and small businesses, puts smiles to the faces of many children, but unfortunately increases the debt of many families already struggling to cover their monthly bills.