It’s the same old story every year. You spend all of December decorating, swiping credit cards, and handing out gifts. And it feels manageable because it’s become part of an annual routine. You’re just deferring the cost of Christmas. But then January rolls around, and the credit card statements start coming in hard and fast. It’s overwhelming, stressful, and even a little bit depressing. All that festive cheer has cost you big time, and now you’re going to spend half of the year scrambling to pay it all ...