How to spread good cheer without drowning in debt

By Gretchen Corl If you're reading this, chances are you've already been through a dozen holiday seasons, and the next one is a handful of weeks away. You're probably contemplating how to keep yourself from having a large hangover and an empty wallet on January 1. As each year draws to an end, it's a time for reflection and a time to panic, as you try to stretch your last paycheck of the year to cover gifts and celebrations.