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Do I Need to Budget for the Holiday Season?

Last Holiday Season, it took me more than 2 months to payoff my credit card purchases
Yes
No
Not sure
I currently have substantial amounts of debt (credit card, personal loans, car loans, mortgage)
Yes
No
Not sure
I have a saving account that I can easily tap into
Yes
No
Not sure
I am mostly a SMART spender
Yes
No
Not sure
I worry about Holiday Season expenses and obligations
Yes
No
Not sure
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