Hopefully you didn’t go into debt over the holidays.  But if you did, getting the mail can be a real downer.  So now what?  To start with, don’t go into denial and keep charging. Take a deep breath, put away your credit cards and pay cash.  Next, figure out a payment plan and stick to it.  Then, focus on the positives of your plan. Being debt-free will give you peace of mind to enjoy what the New Year will bring. And while you’re at it, save a little each month so your next Christmas is debt-free.  Start with these 60 seconds to debt free living.  For more tips, check out Dave Ramsey’s 7 debt reduction baby steps.