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If you answered mostly A's: You are the Sultan of Spend.
When it comes spending holiday bucks, your philosophy is ''the more the merrier,'' 'Tain't necessarily so. In fact, we're betting post-season bills keep you feeling far from merry for the rest of each indebted year.
Not only can giving in to the urge to splurge be hurtful to you, it's doubtful your generous outpourings always have the positive effect you may hope for. For some recipients, getting very extravagant or expensive gifts -- or those packaged to suggest they are -- is not only not impressive, it may be downright disturbing. Bosses may see them as a bribe; not-so-significant others may see them as a declaration that you really, really like them -- on a much deeper level than you really, really do.
If you fear that giving more modest gifts may disappoint some, consider: What kind of relationship is sustained by maintaining a lofty level of gift-giving? Surely none that you really want. In fact, downscaling a bit can pay off in very valuable dividends, as you learn to discriminate between those who seem to like you largely for your largesse from those who are truly true to you.
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