This is a time of year when many people max out their credit cards, and even apply for new ones so they can get “the perfect gift” for someone. Using credit cards in this way is so dangerous to your financial future. I have only one credit card, and it’s not even all mine, but one I share. And I pay on it when I make a purchase.

The best thing you can do about credit cards is make sure you keep abreast of credit card news, and get solid credit card advice. Ok, that’s the second best thing. The real best thing is to be sure you aren’t still paying for December’s extravagance next summer.