It's not the answer

Dear Dave, I just finished paying off my credit card bills from last Christmas, and I’ve made a resolution that it’s the last time I’m going into debt for the holidays. With that in mind, how do you feel about using layaway programs when it comes to buying Christmas gifts, instead of putting purchases on credit cards? Marty Dear Marty, Here’s a good rule of thumb for pretty much all spending, not just Christmas gifts. If you can’t buy it with cash up front, you can’t afford it. The only thing I generally give folks a little wiggle room on...

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