Right now you could be struggling between your penny-pinching urges and your desire to shower the people you love with gifts. Try to listen to your more practical side and keep your wallet shut tight. You need to realize that your friends would rather have you paying off your debts and feeling stress-free than worried about how you're going to pay for gifts they don't need. Be generous with your time instead: reschedule something so that you can just sit and hang out with them.