Faithful readers know that we pull out all the stops around here to celebrate Christmas in July. Or at least start thinking about the holidays, just five months down the road. If you are or have ever been plagued by credit-card debt, I can nearly guarantee that revolving expenses related to Christmas have contributed greatly to that miserable situation. The problem? Procrastination.
Face it, when it comes to Christmas, the longer you wait, the more you’ll spend. The opposite is also true: The sooner you get started the less you’ll spend.