AVON, Ind. Jonathan DeArmond has always wanted to give his daughter a magical Christmas.

I have historically splurged at the holidays, said DeArmond. You want them to enjoy their childhood, so yeah you spend. You get great deals with Black Friday, which is essentially a month of holiday shopping.

The Avon father works full-time in downtown Indianapolis and also has a side gig driving for Uber.

DeArmond is still paying off credit card debt from previous Christmases, and hes not alone.

A new Nerd Wallet survey reveals 31% of holiday shoppers are still paying for last Christmas.

DeArmond says at one point his credit card debt reached $30,000.

I had 10 to 12 credit cards, said DeArmond. What got me into trouble was those no-interest introductory rates. The brakes go out on your car, well

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