Yikes!
If you cant afford this shit, dont buy it! Nobody is expecting you to give them presents beyond your means. You shouldnt feel guilty or obligated to buy expensive presents or something of equivalent value. Return that shit now
Old people dont really give a shit. People with money really dont care about presents. What old people and people with money really do like, are sentimental presents like picture collages, art work, memorabilia (stuff thats relatively cheap, so get creative, blow up a picture and stick it in a $10 walmart frame)
one xmas, I had a friend who was good at caricatures draw up pics of my family members..$25 bucks each. I gave each of them a gift $300+ and the caricature gift..they seemed to love the cheaper gift, talk about it more, and actually got lots of laughs
As for me, im sorta old, I dont get excited about opening presents, so I dont care if its an expensive present or a CD. But I do like watching others open presents. Im sure this applies to old people as well
UTI - Im sure you qualify for some sort of discounted obamacare, go to the hospital/clinic, fill out the paperwork, appear like your destitude, you will get a discounted rate like $50. If its more, they can just bill you