At holiday time, ‘tis the season to be jolly – but for many it’s also the time of year to go deeply into debt. With so many people already having a hard time financially, the thought of starting the new year with yet more money problems can be very troubling. But with early and careful planning, you can celebrate the holiday season and still remain debt-free. Before you start shopping, talk with family and friends about cutting back on gift giving this year.
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