I recently read an article that went over the details of acquiring an enormous amount of holiday debt. It is tempting to charge all of your purchases and in some cases max out the credit cards…. but if you can try and pay in cash little by little throughout the year, then perhaps you wont have to have added stress of possible debt collection agencies contacting you after the holidays are over.

My husband and I just recently paid off all of our debt and so now we try to pay cash (or debit) for everything.