This is a guest post by a friend of mine named Tim, a personal finance blogger who writes about achieving financial freedom. By now, you may be feeling the pain from the holiday season. He's going to share with you a few great tips about how to start reducing your debt, and how to prevent it in the future --- Several years ago, before getting my finances under control, I seriously overspent on Christmas gifts to family members. It had been my habit in previous years to skimp on gifts, … [Read more...]