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Oh, the shopping. The spoiling. The spending. It all seems to consume people from Thanksgiving to Christmas. Heck, statistics show that on December 26th—the day after Christmas—consumerism is just as high, if not higher, than during the pre-holiday season. For many, this spending is done with credit cards, loans, or other forms of money that must be paid back in the New Year. Hopefully, you had a nice Christmas, but if you’re like a third of the population who puts the holidays on credit, you’re likely sipping from the cup of regret by New Year’s Eve, worried about paying off Christmas debt.
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