DEAR HARRIETTE: I am a high-maintenance person to buy gifts for. I am incredibly picky. Because of this, every year I ask for no presents for Christmas because I know I probably won't like them. Instead, I tell my family to buy another gift for their children or spouse. I am well-off and fortunate enough to buy myself the necessities. I tell the Christmas host, my sister, about my no-gift policy because she constantly goes overboard and then complains about being broke after the holidays. I never draw attention to the fact that I open one gift and always bring a gift for everyone else -- year after year. How can I finally make it clear to my sister to stop wasting her money on gifts I will never use? I'm already trying to plan for next year. -- It's Been Years, Wilmington, Delaware
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DEAR IT'S BEEN YEARS: One way that families can reduce going broke buying gifts at Christmas is to focus the giving on the children. While you are a self-named "high-maintenance person," many adults are a bit picky and many have what they need. Sentimental cards can take the place of gifts. Another idea that some families use is to put adults' names in a box or bag, and everybody picks a name. In that way, each adult receives one gift that has a modest price cap to keep expenses down.
If you think your family would appreciate either of those choices, make the recommendation. You can point out to your sister that it will help her to manage her budget better. Otherwise, stay quiet.