Inky,

I've been in a similar situation the last couple of months myself. No car repairs, just more bills than money. After having an excellent credit rating all my life, I have decided it's not the end of the world if it slips some. Any family members from whom you can borrow money for presents for your children?

I know it's easier said than done, but try not to pressure yourself about having to make your new job work. If you can do this, I think you will have more psychological energy to enjoy the holidays. Again, it's easy for me to say, but either the job will be a good fit for you, or it won't.

Feel free to PM if you'd like.

EJ