Question:    Money is a big issue in our family these days. In the past, we used to buy gifts for immediate family members, close friends and even a few neighbors and the postman that brings our mail.  Now that our income has been cut in half due to layoffs and payments on credit card debt, we can’t afford to give as generously as we used to, but I don’t want the people I care about to feel left out or unimportant.