People's debt balloons "because they don't plan for Christmas, like it sneaks up on them, like they move it or something," personal finance guru Dave Ramsey ... travel, gifts, food, and clothes.

That's where Joshua found himself when he called into The Ramsey Show. In a video posted in December titled, "Buy My Kids Christmas Gifts or Pay Off Debt?", Dave Ramsey and his co-host daughter ...

Holiday spending is putting a big strain on American wallets and leaving some in debt well past the holiday season; however, personal finance expert Dave ... Christmas is not that we enjoy buying ...