A Debt Free New Year

Its almost New Year. If you are in debt, it would be best advised that you do not splurge on the celebration. Instead, use this night as one in which you pledge not to spend tons of money. Next year, when you are out of debt, you can put double the money into your victory celebration. The year begins tonight, not January first. Then you'll likely have to work more. You will just have avoid spending beyond your means tonight.