C.F.
I would call your mortgage company and see if they can work something out with you. Sometimes you may get lucky with that idea if you are a good on time paying customer. If not then I agree with the women who said pay the late fee and give the kids a christmas. I would not tell them there is no santa clause, it is a sad day for all kids once they find that out. If you do want to tell them there is no santa then wait until a few months after christmas, you tell them this close to christmas alls they will do is cry and make the holiday miserable for them and you.