This Confessions comes from "His Sister in Maryland & Mrs. Ebenezer Scrooge in New Hampshire"

I am retired, divorced and never had children. My two sisters have four adult children between them. Their kids are all married and have children themselves.

Every Christmas there is a gift exchange, which I don't attend because I stay in Florida during the winter. At this stage in my life, I dread the holiday because it is expected that I spend a minimum of $50 per person for two dozen people.

I own some properties I am desperately trying to prepare for the market. At my age, I no longer need or want anything. It has reached a point where the "preferred" gift is money, which isn't the idea behind the Christmas holiday. How can I politely stop this habit?

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