Mary Hunt is the award-winning and best-selling author of 23 books. She writes the Everyday Cheapskate column that appears in The Daily Journal.

Got debt? I could be wrong, but if you’re revolving a big credit card balance, I’m guessing at least some of it is holiday related.

Sadly, holiday debt can hang on long after the gifts are forgotten.

So, what’s the problem here? Procrastination. When it comes to Christmas, the longer you wait to shop, the more you’ll spend. The more you spend, the more likely you are to look to credit for the funds.

Mary invites you to visit her at, where this column is archived complete with links and resources for all recommended products and services. Mary invites questions and comments at, “Ask Mary.” This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of, a frugal living blog, and the author of the book “Debt-Proof Living.”

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