Ever been stuck in holiday traffic fighting to be stuck in a holiday cashier’s line so you can purchase low-price presents on your high-balance Visa listening to high-volume holiday music and think, “Why am I doing this to myself? I don’t even really like Christmas. It’s just a scheme to get me to gain more weight and gain more debt.”When you’re broke, there’s nothing like Christmas to make you feel bad about yourself.Nothing shatters one’s contentment more quickly than that ever-looping commercial in which a guy buys his wife a bow-wrapped $100K Lexus as a “surprise.”