Irish households spent almost €1,000 each last Christmas, according to figures from Deloitte's 2012 Christmas survey. We are also still tops in Europe for festive spending, with €965.80 the average spend - nearly €500 on presents, almost €300 on food and the balance on socialising.
So, now that your credit card is feeling particularly vulnerable, can you do anything to regain financial independence in 2013?
Half of credit card customers pay only the minimum balance each month,...
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