1. Paint the skin tags in your armpit hair festive Christmas colors! Now it’s like you’ve got a tree under each arm! 2. To save a bit of cash this year, only rent the top half of the Santa outfit when surprising your kids on Christmas Eve. Renting just half of the costume is cheaper, and maybe the shock of seeing a pantsless St. Nick will finally shut them up about Santa next year. 3. Let the family in on what the next year’s economy holds in store when you present to them, rather than the usual gingerbread house, the gingerbread one-bedroom apartment. 4. Can’t afford to have that…