How to plan for a debt free Christmas

Christmas is always such an overwhelmingly expensive time of year.  Wouldn’t it be nice to have a debt free Christmas each year?  It can happen, I promise. But only if you plan well in advance. So if having zero Christmas credit card hangover is on your next years to do list, read on. So when is the right time to start planning your Christmas spending for 2020? NOW.  Yep, that’s…  Read more

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