The holidays are quickly approaching. For kids it is the best time of year. For Parents it could be the most stressful. We celebrate Christmas in my household. Having three children to buy for can quickly become costly. Especially now that the two oldest are old enough to realize what things are. For example, an IPod is different from an MP3 player and much more expensive therefore it’s the requested present. I have always taught my children to appreciate every thing they receive whether small or large and explained there are many children that are not as fortunate. However, to me this is a fine line.I still want Christmas to be magical for them. I want to watch as they rip open presents they asked Santa for and marvel in their delight. I found a great little site on the internet that helps this become a little bit easier. I thought I would pass it along to any parent who has not yet discovered it. If you are anything like myself then you know what it means to be on a budget and still have to worry about making Christmas special. The site I’m speaking about is Bill Me Later. It’s a convenient way to buy gifts and you won’t be responsible for paying for them until later. Hundreds of stores participate with Bill Me Later and each carries its own regulations. Why do I love this? Because of it’s timing. By the time the bill is due we are receiving our income tax check. Perfect! I found a loophole. I know many of you out there have Christmas Clubs for this very reason and I eventually plan to open one of them too. For now, I will be happy to use Bill Me Later. Consider it my Holiday Tip for you. There is a catch, you must discipline yourself. You have to pay it off with your income tax check or otherwise it will be another bill hanging over your head.  So for all of you out there racking your brains, trying to figure out how you are going to buy presents,hop on over to a Bill Me Later site and see if it interests you. If you are financially secure and the Holidays do not deplete your wallet then good for you. Hopefully, one day I will get there. For now, I’ll keep looking for the loopholes.