By the time I started work this morning, I already had dozens of emails waiting to leap at me with breathless exclamation marks.

“Season of savings!” “New deals just dropped!” “Score early deals now!”

Strolling through these daily missives is like walking down the midway of a carnival. I am warned not to pass up great offers. Money? Don’t worry, I’m told, I can pay later.

Which is what many people do, by the way. At the start of the annual holiday shopping season, it’s worth noting that a survey from Consolidated Credit found 36% of respondents admitting they still are paying for purchases from the 2024 holiday season.

Mercifully, the survey didn’t ask about leftover expenses from the year before that.

Let’s play a game

Which means it’s time again to play my favorite seasonal time-

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