You should pitch in when buying gifts for friends.
Janice's friends are going in on a birthday gift for a friend of theirs.
Janice wants to save money for a vacation.
Janice gives what she owes for the gift and decides to eat out less for a while to save money for her vacation.
Janice says she will chip in for the gift but never gives the money to her friend, but instead puts it in her vacation fund.
Janice's friends have a nice time with Janice celebrating the friend's birthday.
Janice's friends are mad that they have to cover her portion of the gift.