I have to say, I sympathise with her.. When I was pregnant with my 2nd child, our business went down the tubes.. We went from being reasonably comfortable to not having enough money to pay the mortgage.. Luxuries were a nono and even food was a struggle... When it came to Christmas , I had to make sure Santa still came to my daughter. Unfortunately kids don't understand that Santa might be a bit skint this year.. I would have actually sold my body to make sure she had a good Christmas, and altghough I didn't go for payday loans, I did max my credit cards and applied for catilogue accounts and probably between my two kids and the rest of the family managed to spend over a grand on pressies!
We're back on our feet now, and I refuse to get into credit at Xmas time but if you have kids, there is a lot if pressure to ensure they get all the toys they want