Are you experiencing a Credit Hangover after the holiday period?

The holiday period is a key contributor to Credit Card debt.

We continue to set higher benchmarks each year of what normal spending looks like. More expensive gifts, lavish holidays on credit.

For the first time in over two decades, I paid in cash for my trip and what a wonderful feeling not to be coming back to a mountain of holiday debt.

A $10,000 holiday funded by using a Credit Card can end up costing many times that as high interest accumulates.

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