All I Want for Christmas is Freedom from Crippling Debt

It's okay to say "Ho, ho, NO" this holiday season.

Hello, and welcome to “Cyber Monday,” an occasion invented by Big Retail for the sole purpose of getting you to spend any money you may have left after “Black Friday” (I’m sensing a theme here) on YET MORE holiday gifts, decor, and doo-dads for your friends and family and partners and co-workers and staff and neighbors and your kid(s) teacher(s) and may…