Finances are often an unpleasant part of life.
If married, the partner with the healthier credit score should apply for any loans you need. If you need to improve your credit score, rebuilt it slowly by using a credit card cautiously and repaying the balance religiously. When both of you get your credit score to a good level, try getting a loan and pay it off together.
Try making your own Christmas gifts instead of buying them.This will help you avoid spending significant amounts of money during the holidays.