For a lot of us, Christmas is effectively a financial D-Day. The average shopper shells out over $1,000 on Christmas presents. Unfortunately, huge chunks of the country don’t actually have enough disposable income to cover those gifts. That’s when we normally turn to plastic to get our holiday shopping over the finish line. But that creates new problems. Right around the time your tree is heading to the curb, ‌credit card bills start to pop up in your inbox. And regardless of how many zeros you see on th ...