The Financiapocalypse can't stop Christmas, but it can sure as hell suck some of the joy out of it. At the very least, it's probably making you reconsider just how much you wanna spend on toys for yourself and others this holiday season. You're probably looking to cut corners here and there, on dollar-store Christmas lights, iPod knockoffs and the like. That's all fine and dandy, but we've made a list of things you can't afford to cheap out on, because doing so will bite you in the ass later. Still, since we like you, we're also sharing how to save a bit of money in the process, so the whole not-cheaping-out thing doesn't hurt as much.