I'm guessing i don't have to explain much about the plot of Charles Dickens' A Christmas Carol, he did get the Ebenezer Scrooge Character right though, the ghosts not so much as i am sure i would remember them popping up in my bedroom but i was famously careful with money.
I was actually very wealthy due to inheriting a fortune but i really hated spending money and refused to spend a penny on luxuries like candles, a fireplace or clothes as i would pick up coats and things the beggars discarded. That's a tip, if there is more material than holes, you will have more warm bits than cold bits.
I would go to bed at sundown to avoid having to pay for candles, i would buy cheaper spoiled meat and once fought a rat over the rotting corpse of a hen that it had dragged out of a river, i'd walk everywhere rather than hail a cab and would stay in whichever of the properties i rented out which never had tenant at the time.
So as Dickens never included some of my Christmas money saving tips, i will do it here.
Tell your friends and family you're going away for Christmas and will exchange gifts when you get back then lay low and buy all of your presents in the January sales for way less money or another twist is after they have given you your presents, announce you have converted to the Ukrainian Greek Catholic Church who use the Julian calendar so Christmas Day for you is actually January 7th so you will give them their presents then and off to the sales you go.
If you make sure you time your visits to coincide with meal times when you visit family and friends, tell them how nice their cooking smells and your almost guaranteed to be offered a seat at their table.
It's basic economics people and if a dead guy called Marley turns up in your front room, unless his first name is Bob, ignore him and he will eventually get fed up and go away.
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