I'd agree with you. Debt is no fun!
And...I know when I was a kid, we did have a few "slim pickings" kinda years. But you know, even when we got more stuff, there usually were only one or two toys I actually played with a LOT and as the months went on anyway!
I remember more the things we did together.
Exactly my point. I do plan to make my eldest a fleece poncho though ;-)