This is a book about special holidays and debt. Because I celebrate Christmas, you will see many references to this holiday. But if you celebrate Hanukkah, Kwanzaa, or some other special holiday, these same principles, ideas, and suggestions can apply. Just make your holiday substitution each time you come to the word Christmas.
All references to debt in this book are to unsecured debt such as revolving credit-card balances, installment loans, and personal loans. Debt, as it is used in this book, does not refer to secured debt such as mortgages or auto loans.