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As children we have all sung the lyrics to 12 Days of Christmas not thinking about the cost or the true meaning.

How to Avoid The Ghost Of Christmas 2011 [INFOGRAPHIC]

For the 28th year, the financial services company PNC’s wealth management team has calculated the current total cost for one set of the gifts given in the classic carol. For 2011, the price tag comes to $24,263.18. That’s 3.5 percent, or $823.80, more than last year.

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Really, really love your significant other? Then tally the cost of the song for every time a True Love gift is sung about.What PNC calls the “True Cost of Christmas” comes in 2011 to $101,119.84 for 364 gifts, and that makes it the most expensive year ever.

The song itself is filled with meaning. Read the following:

A partridge in a pear tree is Jesus.

Two turtle doves refers to the The Old and New Testaments.

Three French hens would be  three kings bearing gifts.

Four calling  birds are the four Gospels.

Five gold rings is The Torah or Pentateuch, the first five books of the Old Testament.

Six geese a-laying is  the six days of Creation.

Seven swans a-swimming would be  the seven gifts of the Holy Spirit

Eight maids a-milking are the  eight Beatitudes.

Nine ladies dancing are the nine fruits of the Holy Spirit.

Ten lords a-leaping are thee Ten Commandments.

Eleven pipers piping are  the eleven faithful Apostles.

Twelve drummers drumming are the twelve points of the Apostles’ Creed.