[terry1156]

First, let me say I am very sorry to hear about your husband. Money problems on top of grieving for the loss ao a family member just compounds the situation. My prayers go out to you.

I think that I would make the effort to explain the situation to them above not saying anything at all. That doesn't mean that they will get the message and understand, but at least you'll know that you tried. Then if they feel you are a scrouge after explaining, it is not because you didn't do your part, but because they just couldn't understand the situation. I don't think that you have to do this over the phone if you do not want to...if I were in a similar situation, I think I would write a card or letter to each of them explaining the current situation and although you are very sorry, you will not be exchanging gifts this year. Then it is up to them if they want to respond in any way from that.