'Tis the season for colder weather, family get-togethers, and -- let's not forget -- the highest credit-card spending Americans will undertake over the course of the year.
This is the year you're going to crush your resolutions. You're going to exercise five days a week, cut back on greasy foods, and save more -- a lot more -- money. You're going to feel motivated the whole time, so it will be simple. It's just a matter of adhering to your mission. Mind over matter. Right? Wrong.