Kristy I am so sorry to read of your most recent troubles hun... I hope you can use some of the excellent suggestions from Snowcat and Mary.. and that it all works out...
it is hard on so many right now hun and Christmas really isn't about the gifts one receives anyway and I know you know that... Rusty is certainly old enough now to understand that you just can't afford to buy things right now..
Take good care hun,
Cuddles