Here is another way to cut down your Christmas expenses and save big this holiday season:
Consumers tend to rack up a lot of credit card debt during the fourth quarter, largely due to holiday expenses. This year, by one estimate , the average holiday shopper is on track to spend around $800. For many, that means financing, which remains a double-edged sword despite historically low interest rates and an array of new consumer protections. It can either save you a lot of money in …