During the holiday season, the joy many of us feel is tempered by our dread at opening credit card invoices in January. Apparently we pay for our pleasures. We will make New Year’s resolutions and vow to shed weight at the gym and through dieting. Why not put your budget on a diet, embracing the discipline of Credit Free Friday? This is a movement espoused by personal finance gurus David Ramsey and Canada’s own Gail Vaz-Oxlade. The...