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(Image from article: "Cash or plastic? How to pay for holidays")

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Cash or plastic? How to pay for holidays

Are you filling Santa's bag this year using paper or plastic? Millions of Americans will trim the tree this year with a credit card balance still left over from last year. Don't let this be you. It virtually guarantees you aren't saving enough to protect against the many uncertainties in the economy. And chances are, if you're charging up your credit cards, you also aren't investing enough in your retirement and education funds to make sure the future is secure.

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