Mary Hunt, founder and publisher of Debt-Proof Living newsletter, based in Paramount, California. 12 issues. $28/yr. 800-550-3502. www.debtproofliving.com She is author of 18 books, including Debt-Proof Your Holidays (Broadman & Holman).
Americans spend an average of $712 per person on holiday gifts.* Those who rely on credit cards and make minimum…
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