With the Holiday Season coming around the corner, we run into gift giving, holiday parties and the most famous of all Black Friday Shopping Sales. All of this begs the question “To Charge or Not to Charge,” on that handy-dandy credit card. In this Podcast Wilma and Krystal discuss tips and tricks from some of their favorite resource websites on how NOT to fall into debt this holiday season. Fear not, they also cover what to do IF you fall into holiday debt.