It’s tempting to overspend during the holiday season. While the average consumer plans to pay off holiday bills in three months, the true time frame is more like six months, according to a report by Myvesta, a financial crisis center in Rockville, Md. Why do so many consumers fall short of their goals? For starters, it’s easy to get caught up in the material trappings of the holiday season. It’s a challenge to stay focused on such mundane things as a spending budget, but it’s essential. Without a self-imposed holiday […]