say hey<br />
dont spend money on me..... I need for nothing<br />
donate it to a charity instead!!!

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Don't. Say you want a voucher type present. And then take the present and give it to someone in real need.<br />
<br />
That way the gift giver is happy that they have given you a gift and the person in real need is happy to get a gift voucher they can spend. And you should be happy that you helped a needy person. <br />
<br />
Everyone’s Happy

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Exactly as you put it, but are you asking for money instead? Or ok with no exchange?

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Just say - "I have quite enough blue ties and light blue suits but thanks fo thinking of me: :)

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I want to tell him "Save your money dear, and paying debt shall be on top of your priority list"

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Ask for a money gift so you can start a savings account. May sound rude; but changes the option You might also hand them a deposit slip. I said savings NOT checking. Explain you're saving for a down payment on a home or a car.
I tend to save. And save I do. When my parents retired they never had money for things they needed. Twice I got with my sisters and we went about repainting their house. Needs to be done again. As I got the house for taking care of Mom. Sisters wouldn't even come over on Sundays when I worked to heat up a can of soup. Had to pay a neighbor to check in and help her with her lunch.. It needs a lot of repair... But the house is mine.

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