The Queen's eye sees all the debt racked up on credit cards over the Christmas season. I've just watched a report on television about the stress level of holiday shoppers. The bills are now arriving!!! From blissful happiness into the pit of financial despair. All it took was that one reach into the mailbox. Plunging, hopeful, new year attitudes are fading quickly. We have always paid 'cash' for our Christmas, so I don't know the feeling of post-shopping horror - but I do know the feeling of pre-shopping panic....never enough moola. Are you dealing with your credit card bills this January?