I go into debt all the time, it's what credit cards are for. It only defers the debt for a few weeks, of course, but I always pay at the end of the appropriate month so I don't pay interest. No harm in a little deferment over Christmas/New Year.
I’m on a Debt Management plan so I don’t have that option. Because of store credit and 2 credit cards and being made redundant I’m still paying off Christmas's past :( but I’m doing really well though.
How funny QOM as out budget was also £50. So my aim was to get as many possible presents for that amount -it became quite a game for me! You’d be amazed at what I managed to get!