This is likely the week you’ll receive your credit card statement with all your holiday spending from December. If you were wise, you budgeted for Christmas all year and can pay off the balance with money you’ve set aside in a savings account. If you were a normal person, you’re probably grappling with a few hundred or few thousand dollars that you now need to find a way to pay off. Getting a bill for items you gave a way does not generally fill you with the warm and fuzzies in the dark cold days of January, but it doesn’t have to mean the new year is off to a bad start. With some careful planning and discipline, you can be holiday-debt-free in a short time — and ready for next Christmas. Face the bills The first thing you need to do is open your credit card bills. All of […]
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