Don’t go into debt and or rack up huge credit card bills in order to buy your friends and family gifts for the holidays. It’s not worth the anxiety, setback and stress going into the new year. Send a card, write a letter or make a phone call. As always it’s the thought, not the gift that counts.

Kids don’t need much. Lots of great memories can be had without digging into debt.   3 in 10 Americans Are Still Paying for Last Year’s Holiday Expenditures But that