In this time of peace, prosperity and goodwill to all men, what best epitomises the festive season in modern Ireland? High-pitched carol singers, fairytale street lights, jangling charity boxes, expectant children's eyes and a baby in a manger? Or ill-fated Christmas parties and the endless spending splurge?
In our buoyant, booming economy of Christmas Present, debt has so far been a manageable burden for most people, but as the economy matures the problems of overspending...
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