Thought this was the best place to come to, b/c of all the creative nesties. So, I hope I can get some help!

I am making my cousin her Christmas cards this year and she wants a saying that has to do with...."I wanted to send you money this year, but couldn't b/c....." You know those 'funny' sayings? I am at a loss as what to put and have googled different sayings, but can't come up with anything! Do you have any suggestions? Can ya help me out? Thanks!