The holiday season is a time for family togetherness, warm reunions, great food and gifts. But it is also the time for financial stress. One of the biggest financial fears among consumers is to find their credit card bills on their mailbox come January. All the good times from the holidays seem to vanish instantly as they review all the money they spent buying the Christmas tree, the food, and the gifts. Consumers who experienced this scenario promised themselves that they would prepare better the next year only to find themselves in the same situation one year later.