01/13/2026
The decorations are tucked away. The house is quiet. But for many, a different kind of "holiday spirit" is just beginning to haunt the bank account.
What remains after the tree comes down? For most of us, it’s a trail of receipts, credit card statements, and an overspending hole to start the New Year. It has become an annual ritual: we celebrate in December, then spend the rest of the year digging out of the "Christmas Peril."
But what if we changed the ritual?
I’ve written a new story (and a strategy) on how to escape the ghosts of holiday debt.
Read more: https://zurl.co/jralr