If ever is a time when the wallet strings are loosened, it is during the festive season. While there is unavoidable more spending because of activities such as travel, get-together and parties, and gift-giving, it should not be a license to over-spending.
Spend in haste and repay at leisure, as the old adage goes, really applies during the festive season. Many financial disasters begin with overspending in the last month of the year, carry over into the heavy obligations of the first month and culminate in debt, either in the form of credit card debt or loans with interest.
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