One exercise which I personally use when it comes to holiday season is this – I write a list. I ask only one question to myself: is this person worth gifting?

Is this person, whom I am supposed to gift, worth the money I am going to spend? Has this person done anything which is worth my time?

You need to ask yourself these hard-hitting and crude questions because in the end, money is something which you have to very careful about. These questions might cross out the gossiping co-workers, the cocky landlord and even that neighbor who’s cat poops just near your petunias. Just gift your closest family members and friends, and as a rule of thumb, the list shouldn’t exceed more than the number of fingers you got on your hands.