Image via Wikipedia The best way to manage holiday debt is to start way before Christmas. If you like to spend a lot for Christmas and pay for it for the next year, it could catch up to you quickly. Racking up big credit card bills and buying things with borrowed money isn’t a good idea. Even if the store offers no interest until next year, they know that most people will not pay off the bill before they...

credit card management This picture is a credit card frozen in a glass of water. Some people have suggested that if you have outstanding credit card debt, you should freeze the credit card in a block of ice so that if you are tempted to spend something on it, you will have to thaw it out before you can use it. That will force you to think about whether what you are buying is really necessary. I just wonder if that...