The Ramsey Show
Delayed Gratification Is a Key Ingredient to Building Wealth
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And get this, one-third of that spending will be swiped on credit cards. Yikes. Now I get it. You want the holidays to feel magical and you want to have a good time. But trust me, there is nothing magical about staring down a mountain of credit card debt come January. So here's the deal. If you don't want January you to hate December you, I've got a money hack for you.
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