by Mandi Woodruff, December 14, 2011
Karen Carlson, director of education for InCharge, a nonprofit that helps debt-ridden consumers, says buying splashy gifts should be the last thing on your mind. "Remember, many big spenders are even bigger debtors," Carlson says. "Turn off the conspicuous consumption from others. Ignore your friends' Facebook statuses from the mall." Read more