Intro: This year's been hard on all of us, we seen our share of hills We're making it by tooth and nail, we're countin up the bills As Christmas time approaches, I'm don't feel like I should Cause honestly I haven't been that good So as I lay in bed last night despairing o'er my sins I heard the faintest whisper like a voice caught in the wind Well I know this may sound crazy, but I heard it oh so clear I heard that Santa's taking credit this year If Santa's taking credit on "being good" this year Then I'll expect to see his eight tiny reindeer But without it I cannot afford to spread some Christmas cheer So Santa, bring a present, and I'll make it up next year Well in our modern economy, nobody pays up front put it all on credit, and pay it off at the end of the month well Santa should be no different, and it seems completely fair Even if I've been more naughty than nice, I can make it up next year If Santa's taking credit on "being good" this year Then I'll expect to see his eight tiny reindeer But without it I cannot afford to spread some Christmas cheer So Santa, bring a present, and I'll make it up next year And I know that it may Seem to be so senseless for Santa to reward me but he's doing it for the interest So, if you're like me your worried about your presents this year If you're nice he won't forget it If you're naughty don't you sweat it Cause Santa's taking credit this year