From DaveRamsey.com…..
Ahh, Christmas. It comes around once a year and brings joy and lots of cheer. It’s the season of giving and forgiving. It’s the season of cozy nights and settling in by a warm fire with hot chocolate. It’s the season of lights, ice skating and endless Christmas parties. But after the lights come down and the tree goes into storage, all you have is a wallet with a holiday hangover and no money left to your name.
