From Forbes:

... If you want to avoid that January spending hangover, consider this: at the root of post-holiday debt is lack of planning. When we don't do prior planning, we eliminate some of our buying options.

The answer is to create a "holiday spending plan." So find 30 minutes, print this article out, grab a cup of coffee, a pencil, and a pad of paper, and help yourself avoid the Post-Holiday Spending Hangover.

8-Step Plan to Avoid the Post-Holiday Spending Hangover

Step One: Create...

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