The tax refund you receive in 2017 could be just what you need to pay down any credit card debt you rang up over the festive season. It may help you to clear your balances and enjoy the rest of the year with fewer struggles.
The holiday season is a wonderful time of year for families, but many Americans spend more than they can afford, leading to a credit hangover after Christmas. Mark DiGiovanni, a Certified Financial Planner, says that due to a lack of budgeting and restraint over the festive season, many people spend themselves into a hole by the beginning of the next year, and "they spend the better part of the year trying to dig themselves out."
A recent study found that credit card debt in the U.S. varies
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