The year-end is supposed to be a time of relaxation and it’s all about happy thoughts. But the reality is that bills still have to be paid, and come next year, there’s back to school expenses to think about. Of course, you do want to spoil yourself and your loved ones – but should you really be getting into debt? Let’s find out more from Benay Sager, chairperson of the National Debt Counsellors’ Association…