Every January, the same scene plays out across Canada. The decorations come down, the credit card statement arrives, and the number is somehow $1,400 higher than anyone remembers spending. Nobody set out to blow the budget — just a few more gifts, one more dinner, a last-minute flight, and a Boxing Day deal. December felt generous. January feels like a bill. Here is the … [Read more...] about The Christmas Budget Survival Plan: How to Do December Without January Debt
