8 Step Plan to avoiding the post-holiday spending hangover
Here’s a question– Did you wake up last January with a spending
hangover? You know what I mean- come January, when all the gifts
are opened and the parties are over, the Visa, MasterCard,
Macy’s and Nordstrom’s bills begin to arrive.  Credit card use
is up 7% this holiday season. And sadly, it takes the average
American who uses credit cards to finance Christmas six to seven
months to pay off the holidays. Who wants to be basking in the
summer sunshine while still paying for the gifts you gave your
kids, family and friends?  If you want to avoid that January
spending hangover, consider this: at the root of post-holiday
debt is lack of planning. When we don’t do prior planning, we
eliminate some of our buying options.  The answer is to create a
“holiday spending plan”. So find 30 minutes, print this article
out, grab a cup of coffee, a pencil and a pad of paper, and help
yourself avoid the Post-Holiday Spending Hangover.  8 Step Plan
to Avoid the Post