Times are tough for many Canadians - and maybe spending money you don't have doesn't fit into your plans this year. 

Or maybe you want the money you do spend on gifts to be put to good use. 

Lisa Hannam is the Editor in Chief at MoneySense.ca. 

She speaks to host Kris McCusker about how to have an awkward conversation if you don't want to buy gifts this year - and would rather focus on what's really important.

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