The holidays are supposed to be a time of joy, family, feasting, and merriment — but for many of us, they’re also an excuse to open our wallets. And because of the added expenses of gifts, travel, and everything else, they often lead to extra credit card debt. Sure, you’ve probably been using your cards …
The temptation to drop a ton of money on fancy dinners, chocolates, and expensive flowers that quadruple in price is high. You feel like you have to celebrate love by emptying your wallet — but the thing is… You don’t. Love isn’t about how much money you spend; it’s about how much time and thought …










































