We’re all familiar with the saying “it’s better to give than receive”. But, as Christmas memories fade, and credit card bills hit the doormat, there’s way too much month left at the end of our money! Time to regret some of our more generous gestures? Those extravagant gifts, indulgent nights-out and reckless splurges? The close of the year is always expensive but, according to the annual Charities Aid Foundation (CAF) report, also when we’re at our most philanthropic.