Do we really want to spend the next entire year paying off Christmas? It is way too easy to spend too much on Christmas gifts for family and friends. We all delight in delighting others, and sometimes we get carried away. When we can whip out the plastic and charge it, we tend to go overboard, because we know we can pay over time. I’ve even seen people put everything on credit cards at the big bargain sales, people who know they won’t pay off the balance immediately. Don’t they realize that they haven’t saved any money when they are … Continue reading →