November 2, 2008
With just three weeks until Christmas, many of you have already started your shopping, some of you have even finished.
A lot more of you are wondering how in the world you're going to pay for Christmas gifts.
While it's never a good idea to just "charge it", that's especially true this year.
With our economy in such bad shape and a possible recession looming, the last thing we need to do is accumulate debt.
We urge you to avoid the temptation to charge your way through the holidays.
Spend cash, and when you don't have anymore to spend, stop shopping.
Perhaps these tough times will force us to be more creative; perhaps we will be forced to focus on what's really important - spending time with family and friends.
Even if there aren't as many presents as usual under the tree, that's okay.
Many Americans complain that commercialism has overshadowed the true meaning of Christmas.