DH is asking for money this year for Christmas. Fair enough, he's saving up for something for his hobby and has wanted it for a very long time but has put mine and the kids needs first.
SIL/BIL are asking for money for Christmas.
MIL is also asking for money for Christmas.
Would it just make sense to tell everyone to keep their money and spend it on what they want rather than swapping money around? 
Apparently it goes against Christmas by doing this but it baffles me as someone is going to end up out of pocket with less money than they put in. And Nobody's even asked what I want for Christmas... not that I'm bothered 
What do your families do? I need a solution!