[Everyone|Everybody] knows that the Christmas season is all about [giving|charity] and that no one should be [concerned|worried|troubled] about how much a [particular|specific] [gift|present] costs but most of us also have to worry about our budgets [while|although|though] we are doing our Christmas shopping.
[While|Although|Though] there are [some|a few] [people|individuals] to whom money is no object the [reality|fact] [...]