New Year’s resolutions should be about fun stuff, not your debt In our corner of the fintech world, January 1st is an important day. Why? (Yes, it’s New Years Day, but that’s not it.) Because on January 1st, once ye olde hangover has dissipated, people realize that it’s time to face the music. And by music, we mean debt. On January 1st, the holidays are officially over, and it’s time to reckon with our wily pre-Christmas spending habits. This shift in attitude is measurable: last year, the increase in search terms like “debt consolidation” peaked in Canada between December 29 and January 4th. And let’s face it: if over the holidays we spend irresponsibly, when the new year and our new debt rolls around, we have no one to blame but ourselves. But if you ask us, it doesn’t have to be this way. The Holidays Are Designed to Make Us Spend MoreIf this has been (or will be) you, know you’re not alone and if we’re honest, the deck is stacked against us. Every year, as we set about our holiday shopping, we’re liable to get good at magical