The single biggest mistake I’ve seen repeatedly in 20 years can be summed up like this: believing ridiculous get-rich-quick schemes and doubting legitimate get-out-of-debt programs.
According to November’s TD Bank’s Merry Money Survey, 78 percent of Americans believe they overspent during the holidays, and less than half of consumers planned to pay for holiday bills as they purchased things in the months leading up to those gift-giving finales.