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It's my pleasure to welcome you here to the Clark Howard Show.

You know, our mission is to serve you with advice and information that empowers you,

so you make better financial decisions in your life.

So many Americans are, well, maybe you're feeling upset about some of the spending decisions you made over the Christmas

shopping season. Credit card bills have been coming staring you in the face in your email

end basket or physical mail and you're like, what am I going to do? We're going to talk about that.

Also, something else is rolling in, and that's your tax documents.

I got some info for you about this year is the easiest year ever, ever for you to file your taxes for free.

I'm going to fill you in on all that. Okay, so I talked back in November about how a survey showed that nearly half of people is they were in the midst of Black

Friday month, November, generally the best month for Christmas bargains,

that nearly half of people admitted they still owed credit card balances, this was in November,

still owed credit card balances from the Christmas before. So here we are now in January, You got these bills coming in. And the question is,

do you want to be part of the nearly half of people who are still going to be paying for Christmas

from last month when we hit Christmas season in November of 25.

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