‘Debt-Proof Your Christmas’: Avoid the holiday hazard

Mary Hunt shares tips to approach gift-giving with an eye for financial responsibility in "Debt-Proof Your Christmas." Here's an excerpt. The simple act of gift-giving has become extremely complicated. I blame that on the consumer-credit industry. Think about it. You can be completely broke but still spend thousands of dollars on Christmas gifts—and believe it is not only your right to do so but