Credit cards and Christmas are nearly as inseparable as Santa Clause and reindeer or Tiny and Tim. It has become tradition to overspend and bury ourselves in credit card debt in order to “get into the spirit of Christmas.”

Yet, when we cannot pay off those bills in January – and perhaps not in February, March, April, or May either - that isn’t a gift, but self-abuse. So maybe it’s time to adopt a new tradition as suggested by AdventConspiracy.Org.

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