'Tis the season for spending.
It's easy to get swept up in all the Black Friday and Cyber Monday excitement, and spend money you might later regret spending.
We've all done it - but that's cold comfort when you're staring at your credit card bill in January.
Here's a bit of advice from someone who's been there, learned a valuable lesson and mended her ways.
I hope you'll take it to heart.
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