With the start of the holiday season upon us, we are consistently reminded of the joy of giving; either by TV commercials, articles in the media or a flyer received in the mail. Giving generally equates to more spending and when you don’t have a lot of money that can sometimes mean borrowing money.
Perhaps you already have a mortgage payment, a car payment or credit card debt, so adding additional debt during the holidays and trying to find a way to pay off this debt might be challenging.

Knowing how to manage your debt and sticking to a realistic budget isn’t always common sense, it is a
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