RICH CELENZA talks about how a lot of people end up spending all the money they save throughout the year around the Holidays. That can go for when buying gifts, going out and partying, or deciding to travel. A lot of people may not realize that not only do they blow all the money they saved throughout the year, but sometimes overspend and end up having to owe more money after the New Year. That also may end in having to pay off a lot of interest because of all the credit card debt they accumulated.