ARE YOU SCROOGE? Or do you see yourself as more of a Santa?

Do you just love Christmas shopping and always splash out loads on presents for your loved ones? Or are you the person who gives other people the presents you didn’t like? Guilty much?

Are you always the first person to get the bill when you’re out for a meal? Or are you the one keeping your head down hoping that someone else will foot the bill?

Well, take our quiz to find out just how much of a Scrooge you really are…

1. Where do you usually spend Christmas?

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At home with family and friends.

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On a holiday...for one.

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Myself and my family usually go abroad.

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I don't do Christmas.

2. Pick a sitting room.

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3. When do you usually start your Christmas shopping?

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I don't do any Christmas shopping.

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I start in January. This way I can get everyone lots of presents and be relaxed when December comes around.

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November. I get most of it done before the rush but I always have a few bits to get last minute.

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I don't need to shop, I just give people the unwanted presents that I get.

4. Which one of these would you get your significant other?

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I don't have a significant other.

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A holiday.

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Jewellery.

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Vouchers.

5. What type of shopping appeals to you the most?

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6. What's your favourite part of the festivities?

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The end. But the dinner is alright I suppose.

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Spending time with family and friends.

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Shopping.

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Giving thoughtful presents.

7. It's Christmas day and you are snowed in. What do you do?

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Watch Christmas movies and play board games with your family.

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Use this time productively to take down the decorations. Sure it's over anyway.

Answer all the questions to see your result!

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You scored out of !

Scrooge

Oh you find it very hard to part with your cash all year and especially at Christmas. You see Christmas as a nuisance and all the shopping and fussing around as just plain hassle. You should check out MobileMoney from permanent tsb for an easy and secure way to quickly and securely transfer and receive money through your mobile using just a mobile phone number and Visa debit card. See www.permanenttsb.ie/MobileMoney for more information.

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You scored out of !

Bob Cratchit

You really want to make the most of Christmas and when it comes to your festive shopping you find it a lot easier to splash the cash when you know are getting a good deal. And now with MobileMoney by permanent tsb, shopping just got a little easier as you can quickly and securely transfer and receive money through your mobile using just a mobile phone number and Visa debit card. See www.permanenttsb.ie/MobileMoney for more information.

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You scored out of !

Tiny Tim

You are the opposite of Scrooge. You love all things Christmas and surprising your loved ones and yourself is all part of the fun. With MobileMoney from permanent tsb you can quickly and securely transfer and receive money through your phone using just a mobile phone number and Visa debit card. See www.permanenttsb.ie/MobileMoney for more information.

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This Christmas you can use MobileMoney from permanent tsb  to quickly and securely send money through your mobile using just a mobile phone number and Irish Visa debit card. No need for annoying bank details!

You can register for MobileMoney through the permanent tsb app. In order to send payments you will need internet access and a Visa debit card issued by permanent tsb. Internet access and/or a permitted Visa card is required to receive payments.

For more information on the service, daily limits and terms and conditions go to permanenttsb.ie/MobileMoney. Operator charges may apply. permanent tsb p.l.c. is regulated by the Central Bank of Ireland.