Step away from the credit cards and go get a free Mp3 on Dumping Debt from that guy that many folks who are climbing out of debt love to hate at one time or another-Dave Ramsey.
Whether you are on a strict rice and beans diet or not, get this free lesson from Dave through Jan. 31, 2012.
Go HERE and download it.
And the next time you whip out that credit card to buy just one more present you can't afford to pay off on the next statement, go listen to the lesson.
Maybe it will help you hold firm this Holiday Season and not spend beyond your means.
It couldn't hurt, right? 8-)