You shouldn't feel obligated to contribute and with the cost of living issues you may be experiencing, just tell them the truth. You and your colleague won't be the only ones affected by the crisis.
What are they then ? When I was part of the workforce it was enough to contribute to leaving cards, although one did get a few xmas ones from the overly keen.
When I was in a "workplace" I always put money in if I liked the person, only signed if I didn't like them, and didn't even sign if I really disliked them.
I didn't imagine anyone was checking. It helped that envelopes were passed round. It was rare that someone came round with it.
You shouldn't feel obligated to contribute and with the cost of living issues you may be experiencing, just tell them the truth. You and your colleague won't be the only ones affected by the crisis.
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