Dear Billy,

Tell your family exactly what you told me.  Two sentences.  That's all it takes.

Most of those close to us — family, friends, co-workers — have no idea they're asking too much until you tell them.

If by "overextended" you mean financially, do not feel embarrassed to tell them so!  It's entirely smart to know your limits and stay within them.  And there are many thoughtful, satisfying presents you can give that require little-to-no cost.

Sit down.  Breathe.  And let your creativity flow.– M