Ho Ho Ho! Merry Christmas! Watch out! Retailers are going all out to get you to buy a bunch of worthless junk that you will make payments on years after you’ve thrown it aside. They spend billions of dollars in advertising showing you images of people so happy buying their goods and services. You can be happy too, all you need to do is buy a new car, a new boat, watch, phone, sweater, crock pot, etc. So you go ahead and buy that new gadget and for a moment you feel great. Then the credit card bill comes in and your depressed. But I want to be happy again! So you buy something else and the cycle starts all over again. Here’s a shocker! Just say no to debt, especially Christmas debt. Wow I felt the ground move when I said that, it’s so Anti American.