Love /
Amount of money for gift (I have a girlfriend in Poland) [56]
you may want to divulge your skills at winning over the hard earned earnings of the person of your life!!
seriously, don't you realize that statements like that make you look foolish? If you really think that all the women are out for the guys money, then you have a very narrow view of the world.
And to answer your question; if it's a scarf, I'd keep it and reciprocate with a tie or something, and a nice note. But, if it's $20, I'd send it back with impersonal x-mas wishes, and maybe a thinly veiled suggestion for a cheritable donation, if I can think of one. ;)