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When the Christmas gift-buying season arrives, there’s always the temptation to use the credit cards. Don’t fall for that trap this year! In fact, you can start to utilize these 17 brilliant ideas to pay debt off! Tip no. 13 is particularly interesting to me because while it’s not a new idea, it’s not one that is usually considered. If you could find just a couple of tips to start using today, you could get a jump start on financial welfare in the new year!