If you find yourself still paying off Santa's bills in March, drop by this article from The News Herald and pick up six quick tips to avoid Christma debt.

The only tip I don't agree with is that you shouldn't charge your Christmas purchases on your credit card if you can't pay five percent of it every month for the next 20-24 months.

Excuse me?

If it takes you two years to pay off your Christmas gifts, what the heck are you going to do next year? Charge more that it will take two years to pay off?

Other than this delusional tip, I recommend taking a few minutes to read this article. Good stuff!