To Spend or Not To Spend

By
Home Builder with PEP source

This holiday season do we spend - do we continue to charge on our credit cards or do we decide not to spend as much. Will we ever decide that if we don't have the money to pay for something in our pocket then maybe we don't need it?  Stores like Sears and Kmart have brought back lay-away. Is this going to start a new trend? Will we actually have our holiday paid for before Santa comes?

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