I'm dreaming of a debt-free Christmas

Merry debt-fueled Christmas, America!

According to a recent NerdWallet study, nearly 40 million Americans are still struggling to pay off credit-card debts from last Christmas.

Here's what's worse: NerdWallet finds that this Christmas, "American consumers plan to spend more, charge more to credit, and take a longer time to pay it all off."

The grand irony is that the gifts we go in hock to give ou...