This is the time of year when people have the greatest tendencies to incur heavy credit card debt. It will do you good to find a way to against the trend. This is the time to apply everything you know about avoiding credit card debt. The most important lesson you should apply is your attitude towards spending. Have it set in your mind not to get carried away in the frenzy of public excitement, stand your ground and save your self from a difficult 2013.
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