Are you a Scrimping Scrooge or Splurging Santa? Take the Money Confidante’s Holiday quiz and find out!

Does Christmas signal an excuse to splurge or do you dread the holiday season and all the added expense?  Take my quiz and find out if you’re more Santa or Scrooge!

1) You’re at the mall Christmas shopping and are determined to find something particularly special for your best friend – she’s been such a great friend to you this year, she really deserves something fab!  You:

a) Can’t decide between a cute cashmere sweater, leather purse or designer perfume so you buy all three then throw in a makeup gift-set at the last moment too!

b) Buy her a gorgeous blouse you couldn’t quite justify buying for yourself, then when you come to wrap it remember about the luxury hair products you spent ages picking out for her…What?  It was September when you starting Christmas shopping you were bound to forget about one small item…

c) Return to the store where she pointed out a beautiful picture frame, which she has been hankering after ever since, and pop a picture of the two of you together in it.

d) Dig in your closet for that really interesting book on different mushroom species you got from your great aunt last year and re-gift it to her, after all you only read it once.

2) You’re throwing a holiday party for your friends when a lot more people RSVP  “Yes” than you expected and things start to get a little out of hand!  Where will you put everyone?  Your house isn’t quite the mansion necessary for a party of this caliber…You:

a) Go on a crazy hunt for a venue you can rent out and send out last minute amendments to your original invitations.  Why didn’t you think of this before? All this extra space to fill with fancy decorations is ideal…and finally there’s somewhere to put that 5-tier chocolate fondue fountain you bought for an occasion just like this!

b) Rent a tent for the back yard, and come to think of it you better get your hands on some heaters too…sipping cranberry cocktails through chattering teeth in the 30 degree chill won’t make this shindig sparkle!

c) Look back over your guest list…was there really any need to invite your dentist you barely see once a year?  Then make a few calls to tastefully let those you shouldn’t have invited in the first place know that the party is cancelled.  They’ll get over it – you never really were that close with the mailman anyway!

d) Cancel the entire thing!  Parties are a decadent, over-indulgent waste of money anyway.  Whoever originally talked you into throwing a bash is getting struck off the Christmas card list that’s for sure!

3) Your neighbors have begun decorating their homes and your street is alight with twinkling lights and inflatable Santa Clauses.  You:

a) Throw out all of last year’s decorations – you must have a whole new look this year.  Then get to work adorning your house with lights and pop a life-size reconstruction of the nativity scene on your roof – Christmas is about the birth of Christ after all…and your neighbors will not upstage you!!

b) Start buying decorations in September before they sell out and set the standard in your street by getting your decorations up first.  What does it matter if you can barely get in your front door when your house looks so awesome?

c) Put up the nice classy white lights you used last year but head out to buy a pretty new wreath for your door, being careful not to trip over the extension cable running from your neighbor’s window to their faux snow making machine as you pass by.

d) Roll your eyes in disgust at your neighbors’ vulgarity.  When did the holidays become so commercial?  The lone candle in one of your windows is quite enough energy being wasted thank you very much.

4) It’s your turn to host Christmas dinner for the family, meaning your home will be full of guests for the best part of a week – so the cupboards better be full!  You:

a) Buy a variety of different options for every possible meal you may have to serve.  Who knew there were so many breakfast foods? Also be sure to buy the biggest turkey you can get your hands on.  Who cares if there are leftovers?  It’s going to look great as a centerpiece on your beautifully decorated dining room table.

b) Hurry out to the nearest upscale supermarket and stock up on natural and organic products to create the illusion that this is how you always eat in your home! Plus bake a variety of yummy goods so the house has that great fresh baked goods scent then go round all the guestrooms leaving a chocolate on each pillow.

c) Make sure you’ve got all the essentials and of course a few extra treats but don’t go crazy trying to prepare for every eventuality.  Knowing your family you’ll end up eating out more than in anyway.

d) Look into other accommodation possibilities for your family, and then send them an email detailing all the information for the nearest hotels.  Of course they can eat Christmas dinner at yours…well so long as they each bring a dish!

5) You’re writing your Christmas card list and decide you want to do something a little different this year to spruce things up a bit.  You:

a) Hire a professional photographer to take some pics of you and your family.  In the end they all look so great you can’t decide which one to use for your card so you decide to get copies of them all – there’s bound to be some extra people you can send a card to this year.

b) Go to a crafts store and buy a ton of fun bits and pieces to make your own cards…but end up buying already made packets of cards anyway when your homemade efforts don’t turn out so well!

c) Know how many cards you need to buy when you’re in the store and stick to that number, as tempting as it to select a different card for every person you’re sending one to.  Then, where possible deliver your cards by hand to save buying so many stamps.

d) Opt against sending cards this year.  Half the people you sent one to last year never returned the favor.  Plus you can always just send a quick e-mail to say happy holidays!

If you answered:

Mostly As: Well, no one can accuse you of lacking Christmas spirit!  However, try to remember you are not, in fact Santa Clause and there’s no workshop with elves to create all these pricey items for you – you will actually be stuck with the bill!  Try to reign in your spending a little.  As much fun as it is to indulge at this time of year, bear in mind that once the fun of the holiday season dies down you still have to have enough money to live off after you’ve paid off all those extra Christmas expenses.

Mostly Bs: You’ve got plenty of festive cheer and mostly your intentions come from the right place – you just want to create a perfect Christmas for those around you.  However, at times you get so caught up in appearing to have it all at Christmas that you lose a little perspective and frankly common sense.  Remember Christmas isn’t a competition with your neighbors or an opportunity to show off to your extended family.  It’s an opportunity to spend some quality time with those closest to you, which you can do with or without a glow-in-the-dark inflatable reindeer.

Mostly Cs: You’re just the right mix of Santa and Scrooge.  You have enough festive cheer to ensure your family has the best holiday without going overboard and ending up in debt.  The small savings you are wise enough to make now will make a big difference in the long run.  What is more, your reluctance to overindulge allows you to still fully appreciate the holiday season for what it is: a chance to spend quality time with your loved ones and be thankful for all you have.

Mostly Ds: Well hello Ebenezer!  Ok being frugal is all right and well…but it’s Christmas!! Live a little!  No one wants to end up in copious amounts of debt come January, but watching the holiday season pass you by because you’re too scared to spend is just sad.  By all means be sensible with your budget but allow yourself a little treat here and there – after all Christmas only comes once a year and this is your chance to kick back and enjoy the fun family traditions!

Which category did you find yourself in?  Let me know in the comments section below.

More like this:
http://maryandmoney.com/lifestyle/take-the-money-confidante-quiz-are-you-ambitious-or-indifferent-when-it-comes-to-your-career/#more-2727
http://maryandmoney.com/lifestyle/take-the-money-confidante-quiz-how-financially-healthy-is-your-relationship/

Tags: , ,

2 Responses to “Are you a Scrimping Scrooge or Splurging Santa? Take the Money Confidante’s Holiday quiz and find out!”

  1. Patricia Says:
    December 20th, 2012 at 2:20 pm

    Mostly C’s for me! I like to keep my Christmas classy and understated, unlike my ogre neighbors! Those people love their pineapples something awful xx

  2. Mary Caraccioli Says:
    December 24th, 2012 at 7:41 am

    Patricia, remember the more garish your neighbor’s decorations- the more understated your home will appear. You both win. I have a few “holiday light over achievers” in my extended family- so I have learned to celebrate our differences and pack a sleeping mask just in case the lights keep me up all night! Happy Holidays!

Leave a Reply

  • Guanxi and Building Trust
  • Winning Entrepreneurs
  • Feeling Desperate? Stop and Read This
  • Passport to Prosperity
  • Allowances: Do’s and Don’ts
  • No Money, No Marriage? Mary’s Solution
  • Doubling Your Money
  • Kids and Money: Structuring Chores
  • What Hiring Managers really Want
  • Great Design – Better Pricetag
  • Don’t Call Me Rich! Why Women Are Afraid of Money
  • Paycheck to Paycheck: The New Normal
  • Your Questions: Family Money Strategy
  • What is the Best Time to Buy?
  • Do You Know What Your Kid is Thinking?
  • Find New Love for an Old Career
  • Finding Money
  • DIY Energy Assessment
  • Do’s and Don’ts for Your Treasures
  • Home Need Some Work? Watch This
  • Getting Better Service is Possible
  • Confidence Project: Assignment 1
  • Confidence Project: Goal Setting
  • Bankruptcy: True or False
  • Confidence Building in Action
  • Chicago Shares Mary’s Money Tips
  • Money Confidante Tips for Car Buyers
  • Fun with 6abc at the Philly Auto Show
  • In Defense of Lance Armstrong
  • Mary’s Tips in Parade Magazine
  • Money Confidante: Making House Calls
  • Confidence Project: Top 3 Tips for Building Financial Confidence
  • Confidence Project: Getting Started
  • Money Lessons the Fun Way
  • My Money Confidence
  • Happy New Year!
  • Welcome to The Confidence Project
  • New Year’s Resolution: Understand Money
  • New Year New Look
  • Need Help With Your Money?
  • Just a Reminder…
  • Checklist: Some Expenses You May Have Overlooked…
  • Dos and Don’ts for Holiday Harmony
  • Are you a Scrimping Scrooge or Splurging Santa? Take the Money Confidante’s Holiday quiz and find out!
  • What’s Behind your Spending?
  • Impress Your Guests for Less!
  • The Truth About Store Cards…
  • Wise Words
  • The Juggling Act
  • Be Beautiful on a Budget!
  • The Cost of Raising Kids
  • How Gary Cooper Would Scale the Fiscal Cliff
  • Behind the Scenes & In the Hot Seat: Holiday Spending
  • Five Tips for the Frugal Fashionista
  • Baby Baby Baby!
  • Make the Holiday Abundant not Wasteful: Turkey Leftover Recipes!
  • Take The Money Confidante Quiz: Are You Ambitious or Indifferent When it Comes to Your Career?
  • Keeping it in the Family
  • We Owe What? The Clark Family
  • Did you Know…
  • Cupcake Crazy!
  • Take the Money Confidante Quiz: How Financially Healthy is your Relationship?
  • Have a Frighteningly Fun & Frugal Halloween!
  • Mary’s TV Show Enters its 2nd Season
  • We Owe What? The Lafferty Family
  • Kids and Money: Quick Activities
  • Tips for a Weekend-Break that Won’t Break the Bank
  • The Price of Friendship
  • Sometimes You Just Gotta Rant!
  • Allow Your Inner Bag Lady to Speak Up!
  • Dine for a Dime…
  • Secretive Spending or Frivolous Fun?
  • We Owe What? The Kussman Family
  • We Owe What? The Anderson Family
  • Take the Money Confidante Quiz: What Does Your Spending Style Say About You?
  • Women of Wilmington Ready for Change!
  • First State Change Agents
  • What is Mary’s Show About?
  • Lights, Camera…How Much?!
  • Building Boundaries for your Boss
  • Here’s a Tip…
  • We Owe What? The Jarett Family
  • Mary in This Month’s Parenting Magazine
  • Ink: The Hidden Cost of Body Art
  • Newlyweds and Money: The Financial Hurdle at the End of the Aisle
  • Five Simple Saving Tips for the Young Professional
  • The Money Battle: ‘I Want That’
  • Learn How to Negotiate
  • Mary in “O” Magazine
  • Cities with the Most Spoiled Kids
  • Phone apps can slash your vacation costs
  • How to Get Mary’s Help
  • Wall St. Legend Talks About Kids and Money
  • Super Weekend, Fabulous Families
  • Talking About Money With Your Kids
  • Stedman Graham Talks to Mary
  • A Day to Celebrate
  • Vince McMahon talks Business
  • Do’s and Don’t When Calling Creditors
  • Ready to Leave the Nest But Not Ready to Leave the Perks
  • Path to Work Life Harmony
  • Global Citizens Award
  • Awkward Moments
  • Awkward Moments
  • Is Your Man (or Woman) Your Financial Plan?
  • Facebook and Twitter
  • Latest News
  • Tips for Raising Financially Fit Kids
  • How Do I Get Mary To Help Us?
  • The Kids Have Grown the Nest Egg Hasn’t
  • Where You Can See My Show “We Owe What?”
  • Facing Past Money Mistakes and Letting Kids Fly $olo
  • Faith and Finances: Meet the Chandlers
  • The Difference Between Tax Credits and Deductions
  • Family of Nine Looking for Ways to Save
  • Five ways to stop drowning in debt today
  • A New Financial You After a Break-up
  • Money Troubles Keeping You Up?
  • Their Money Can’t Keep Up With Them
  • Buy Used and What to Never Buy Used
  • Curt’s New Game
  • Adapting Money Skills to Life Changes
  • Caught in a Credit Crunch
  • This Week: Fighting Crushing Debt
  • Paying the Bills vs Playing with the Kids
  • New Episode this week
  • How to Budget (for people who hate to)
  • Mary and Social Media
  • A 5-Year Plan for You!
  • Mary’s New Show Starts This Weekend!
  • FYI Talks About Mary’s New Show “We Owe What?”
  • A Success Story and a Test
  • Update Your Least Favorite Room for Less
  • Pop the Hood! What You Need to Know About Your Car
  • Insurance Claims Telephone Numbers
  • The Struggle to Juggle: Motherhood and Work
  • Got a Tough Decision to Make? Here is Help!
  • Making Money on Ebay
  • To-Do List for the New Collegiate
  • Help for the Home-front: Foreclosures
  • Scam Artists Target Job Hunters
  • GOLD RUSH
  • Do You or Don’t You? The Reality Check for Starting Your Own Business
  • Car Talk: Buy or Lease?
  • Ask Mary: Work From Home
  • Does eBay Still Matter?
  • Can You Mix Money with Art?
  • Can You Get Out of a Car Lease Early?
  • Relationship Skills Worth Learning
  • How the Coupon Queens Do It
  • Don’t Call them Gen Debt
  • ASK MARY: Banking Online, Is it Safe?
  • When You Become a Parent to Your Parent
  • You Will Love Herb
  • Ideas to Help You Raise $mart Kids
  • Tools to Become a Social Media Maven
  • Teens and Money: How to Jump-start the Conversation
  • New Grads Here is How to Expand that Paycheck
  • Mark Haines 1946-2011
  • A Better Break-up? Yep!
  • Straight Talking Financial All Stars and 3 Fed Presidents: 1 Great Conference
  • A Coupon Collector: Does it work?
  • Ask Mary: Hiring a Financial Advisor
  • Six Figure Women
  • Six Money Tips for Young Professionals:
  • Saving More at the Supermarket
  • Are Your Kids $marter Than You?
  • My Money Tips are in Tracey’s New Book
  • Erasing Debt with a Happy Ending
  • Refi a Car? Yep. But is it a Good Deal for You?
  • Housing Market Future: Grim or Great?
  • Let Your Stuff Take Care of YOU!
  • Get the Boss (or anyone) to Commit
  • Where do you find LiveWell TV?
  • Too Big to Fail
  • See Brian Sack from the NY Fed for Free
  • ASK MARY: Credit Card Fraud
  • Job Search: Word Games Hiring Managers Play
  • Zac Posen and Chanel for $5? Shopping for a Cause is a Great Deal!
  • Eat Cheap and Eat Well!
  • Home Time: Advice to Make Your Home Project a Success
  • Help My Boss is a Crackberry!
  • What are Energy Efficient Mortgages?
  • Overspent during the holidays? Now what?
  • PAYING FOR THE RENOVATION
  • Mary’s Work
  • Could You Work with Your Mom and Dad?
  • New Year’s Resolution: Get Your Finances Organized!
  • A Story from the Entrepreneurial Frontline
  • Ask Mary: Debit or Credit?
  • ASK MARY: Getting out of a Lease
  • Ask Mary: Savings Bond for Baby? Tipping at Restaurants- How much?
  • Teach Kids Good Money Habits, Even if You Need Help Yourself!
  • Stay Warm and Safe
  • Should I Go Solar?
  • Social Media Strategies to Build Business
  • Job Seekers 2
  • STRATEGIC DONATION TO GIC FROM PAUL MCCULLEY LEADS TO THE CREATION OF A GLOBAL SOCIETY OF FELLOWS
  • Negotiate This!
  • ASK Mary: Find a Financial Advisor
  • Two for One Special
  • Is Online Banking Safe? Your Questions Answered!
  • Ask Mary: How to Save When You are Just Starting Out
  • What Are Your Questions About Bragging?
  • Learn To Talk About “You” Effectively
  • Reason to Believe
  • A New Career in Sports!
  • Ask Mary: Discount Gourmet Grocers
  • Craigslist without the Awkwardness
  • Ask Mary: High Cost of College Text Books
  • Need Money Now! Quick Cash without the Loan Shark
  • Ready to Re-Launch: Getting Mom Back to Work
  • Ask Mary: Finding a Trustworthy Advisor
  • Reverse Mortgages Become a More Affordable Option
  • Learn More About Your Credit Score
  • What Are You Doing This Weekend?
  • Help My Boss is a Workaholic!
  • Do You Shop ’til Your Bank Balance Drops? Here is Help
  • Action Plan for the Week
  • Travel Tips: Saving on Airfare
  • Smart Souvenirs
  • Here is What is Coming Up This Week
  • Get Schooled on Money
  • Mary Talks Money New Season Kicks Off
  • Luck Ducks Follow Up
  • Spoil Sport: How Parents are Doing Harm by Giving In
  • Family, Money and Business Start-ups
  • Recession Officially Over – the Pain is Not
  • Try This: A Great App for Managing Money
  • Get a Job: The Paycheck
  • Mary Talks Money on TV
  • Time to Buy a Car?
  • US Open Starts Tomorrow
  • The Art of the Yard Sale
  • Ask
  • Daymond John: Make Like a Shark in Your Job Search
  • Your Elevator Pitch
  • See Ya Later Slater: Is the 15 Minutes Up Yet?
  • Economy: No Easy Fix
  • Craigslist Shopping Tips
  • The Benefits of Bartering
  • Back to School with Money Left Over
  • Try This! Great App for Smartphones
  • Life on a Short Leash
  • Ask Mary: IRA Conversions
  • Marriage and Money Part 2
  • Marriage and Money Part 1
  • What Successful Dads are Teaching Their Kids
  • Guide to Getting Your Idea to Market
  • Ask Mary: Teens and Kids Weigh In
  • Instead of Golf for Business, Try This!
  • Job Search Tax Reality
  • 1220
  • Steinbrenner: Business and Baseball
  • New Baby on the Way: Help!
  • DIY: How to Cut your Kids Hair
  • Investing in You
  • Declaration of Career Independence
  • Job Loss: Investing in You
  • Should it Stay or Should it Go?
  • What Women Over 40 Need to Know Now
  • Is Your Idea Money in the Bank?
  • The Power of Memory
  • Cheapskate Fashionista!
  • Your Turn: Teaching an 8 yr old about Money
  • Happy Father’s Day Dad
  • Fathers Day: What Rich and Famous Dads Teach Their Kids
  • Have You Read Tracey’s Blog?
  • Will this Help You?
  • Student By Day, Entrepreneur After School
  • Living Brilliantly
  • DIY: Bridesmaid Bouquets Made Easy (and Lovely)
  • Paying for Childcare
  • Benefits Check
  • The Brainy and Beautiful Bobbi Brown
  • Look Great for Less
  • Four Year Old Money Mavens
  • Fabulous Weddings for Less
  • DIY Floral Arrangements
  • What to Read this Summer: Free Event
  • Get Hired by Looking like a Winner!
  • Pet Medical Care
  • Going to the Dogs
  • Cheapskate Chic- part deux
  • Your Turn: Kids and Shopping
  • Forget the MBA Spend an Hour with Vince
  • Kevin Smith Before Too Fat to Fly
  • Girls with a Grudge don’t Win
  • Today’s Opportunity
  • Mary Talks Money Debuts: Where to find it
  • Richard Branson
  • January Event: Finding $ Happiness at Home
  • ASK MARY: When to get the kids their own account
  • Tune in Monday for the Debut of Mary Talks Money
  • Energy Investment: Gov. Ed Rendell on the Future of Fuel
  • Life After the Great Recession: A Conversation with Steve Forbes
  • Baby its Cold Outside: A Smart Strategy for Lowering your Energy Bill
  • ASK MARY: Love and Money- Is it Time to Get a Referee?
  • I Want That! Sneaky Ways to Teach your Kids about Money
  • Credit Card Management
  • Are American Consumers Getting their Groove Back?
  • Not Only is it Getting Dark Earlier… But this is Peak Season for Deer-Vehicle Accidents.
  • Paying it Forward
  • Unemployment hits 9.7%
  • College and Credit Cards
  • US Open Tennis: Arthur Ashe’s legacy
  • Negotiating Skills Part 3
  • Negotiating Skills Part 2
  • Ford Chief Economist Ellen Hughes-Cromwick
  • John Bogle
  • Make $ This Summer
  • Sell Yourself in 30 Seconds or Less
  • Stop Looking for Shoots
  • Why Jim Rogers Left NY for Singapore
  • From the Street: A Simple Lesson
  • Derivatives Deconstructed
  • Bolt Bus vs Amtrak
  • Getting that First Gig: A Few Tips
  • My Day with the Bull Riders
  • Staples Founder: Tom Stemberg
  • The Opportunity
  • Growing up McMahon
  • Beyond the U.S. Open: How Golf Can Make You Rich
  • Leveling the Playing Field
  • Future of Fuel Series: Ethanol’s Struggles
  • The Future of Fuel: Cellulosic Ethanol
  • Faith-What is it?
  • Trickle Down Economics at Penn
  • Curt Schilling, the Red Sox and the Jimmy Fund
  • And its Gone!
  • Zandi: The Economy, Obama, Bernanke and more
  • Clean Dry Cleaning? It is Possible with a Price
  • From the Gutter- to Giver
  • Elevator Pitch: do’s and don’ts
  • Rules of the Road
  • Bio-Fuel Fanatics
  • A Shopaholic’s Fix
  • Beyond Cramer: The Biz Press and the Financial Crisis
  • Taiwan: Does it still need the United States?
  • Langone on the Spitzer Image Rehab
  • Happy Birthday Mr. Bogle
  • Jon Huntsman talks about the Economy and Ethics
  • Preemptive Strike to Battle Over Spending
  • Chris Whalen on the Banks
  • Barry Ritholz: Power Struggle inside the Obama Administration
  • H1N1: Prudence vs Hysteria
  • Former Fed Official Bill Poole
  • Banking Mess: Solutions to Think About
  • A Home to Own or to Borrow?
  • Fuel Cell Vehicles: What are they like?
  • Earth Week: New Laws Expected
  • Why the Money in Mary and Money??
  • Tax Day Deep Thoughts
  • Your product may be boring, but your image doesn’t have to be
  • How Bad is the Economy?
  • Goodbye Taki
  • Branson: A Rebel with a Cause
  • Getting Ready for the Rebound
  • Martin Wolf of the Financial Times
  • Young, Skinny and Cheap Chicken
  • Missed Opportunity: Why weren’t the builders doing this during the boom?
  • Bragging Rights: The Back Story
  • Bragging Rights
  • Let me consult the board
  • Steve Wozniak: Before Dancing with the Stars– there was Apple
  • Jim Rogers: Part 5 of 5
  • Jim Rogers: Part 4 of 5
  • Jim Rogers: Part 3 of 5
  • Jim Rogers Part 2of 5
  • Mary Caraccioli Interviews Jim Rogers: Part 1 of 5
  • Stewart’s J-School
  • Ashamed!
  • Risky Business
  • When You Become the News
  • First Person: My Russia
  • Carl Icahn on Yahoo
  • One American Family
  • Financial Crisis: A Conversation with Steve Forbes
  • Ask Mary
  • A New Look at Trash
  • Remembering Dr. Papadakis: From Nov 2007
  • What People Are Saying
  • Save $ Make Your Own Cold Coffee Treat
  • March Madness: Stewart vs Cramer
  • Mary Caraccioli
  • Archives
  • Chatter

    About Mary

    About Mary Mary Caraccioli, MLA, MBA is the Money Confidante. An Emmy™ Award winning financial journalist, she has worked at CNBC, FOX, Comcast and ABC's LiveWell TV where she has created numerous award winning programs. Mary also helped to create the Lou Dobbs syndicated radio report. She was an early adaptor of digital media and creator of well respected money websites.

    Mary has access to the top financial thought leaders and brings that information home to everyday people who are looking to make better money decisions in their lives. Let the Money Confidante help you and your family too!    Learn more...

    © Copyright 2018 The Money Confidante
    By: InsiteMarketing Design by: Salvatore Fabbella

    Powered by WordPress | Login