Christmas List

My daughter has been asking me about what she wants for this Christmas. She has a long list of toys that she wants this year. I told her that there is no way that Santa is going to bring all those things....then she says, "you can get them mommy! You have money!" I said "no I don't". Then she goes "You have credit cards....". I was so surprise to hear her say it. This is so sad that my daughter thinks that credit cards buys her everything. Yes, I do use credit card when I purchase things, but I always pay my balance off at the end of the month. I never pay finance charges. She is only 4 years old but I need to figure out a way to teach her about importance of money and being responsible. I wonder if she understands it...... Wish me luck.