Ruby loves Christmas! It's the only time of year when all-out shopping is not only okay, it's required! The commercial excess of the season depresses some, but puts Ruby in the best of moods. She's flying high going from store to store, and mall to mall. This year however, she's especially conscious of the economic downturn, and the high percentage rate on her credit cards. She doesn't want to be caught off guard in January, so it's cash only, and sales only. She's also finding great stuff at the top of the line discount store, Target.