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Web Extra: Credit-Free Holiday

In Friday's Web Extra, Carmen is joined by psychiatrist Janet Taylor as they examine the difficulties in discussing money with your children -- especially if it involves scaling back the fixtures of lifestyle they're comfortable with: toys, gadgets, perhaps even as drastic as a down-sizing of the family home.

The most important thing is to help your kids understand what it takes to maintain the various aspects of a lifestyle and that when you need to say 'no' to some of their requests, they can understand it's not because you're being spiteful for no reason, but rather there are reasons that have nothing to do with them.