You and I have most probably each skilled the feeling of regret that comes with the opening of these January credit card statements. What seemed so vital to purchase in November and December, as Christmas approached, now has turn out to be a monetary burden that  we do not know how we are going to get out of. Things that introduced a lot joy on Christmas morning, have now was months and months of high credit card payments. We ask ourselves what was I thinking? Now do not get me improper, I am no scrooge. I am all far the …