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

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.

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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!

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