Women are the big buyers at Christmas time - purchasing presents for nine people on average during the silly season, three more than their male counterparts.
But a quarter of Kiwis go even further, buying between 11 and 30 gifts at Christmas time, a Colmar Brunton survey has found - despite a majority of 59 per cent of the 1000 people surveyed saying they feel Christmas is too commercial.
And Colmar Brunton chief executive Jacqueline Farman says it's a worry.
"That raises the question of affordability. We found 14 per cent are already resigned to spending more than they can afford this year, but the reality could be far more Kiwi consumers overspending,"
And though 45 per cent of people said they were highly unlikely to spend more than they could afford, 41 per cent wavered between likely and unlikely - suggesting overspending was a distinct possibility for many.