Halloween is within reach. Thanksgiving has not yet wholly entered consumer consciousness. Yet the local department stores are already loading their parking lots with storage containers and building displays featuring Santa and snowmen. It is only a matter of time before we are overcome by the jaunty tunes of “Jingle Bells,” “Frosty the Snowman,” and other tunes.
But no matter how much one might enjoy what we so affectionately refer to as “The Holidays,” this time of year also brings added financial stress for most Americans.