Suffering from Christmas debt hangover

Aside from any extra weight they may or may not gained over the holidays, most people also gain a lot of debt. Sure, that debt was built up in positive ways—by celebrating with friends and family, and being generous to the ones you love. But debt is debt. And now you have start paying it off! If the holiday season put your credit card into dangerous territory, here’s a way to get your finances back on track. Chances are you’re paying anywhere from 10-20% interest on your credit cards. Meanwhile, you may have enough equity in your home to refinance your mortgage, consolidate your credit…