Christmas Debt

Is it me, or have you noticed that the holiday marketing out there heavily implies that we need to basically renovate our homes to be so-called 'ready' for the holidays? I just heard an ad on the radio letting me know that I can borrow up to $35,000 from them this season, great! I better pay that back in 11 months so I can do it all over again next year! To be honest, there is no reason to go into debt over the holidays. If you are truly honest about your holiday budget, you can plan for it without incurring debt. Ok, so I'm heavy handed about Christmas overspending, but it comes from the old banker in me that sat on the other side of the desk, facing clients who didn't bat an eye about cons

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