Bye Bye Savings
Everyone knows that Christmas time is one of the most expensive times of the year. You want to make sure that your loved ones know how much you love them, so you spoil them with lots of gifts, regardless of whether or not your bank account can handle it.

The feeling you get the day after Christmas when you realize that you have zero savings left in your bank account is probably one of the most upsetting realizations ever. For months you worked to save up all that money, and with a swipe of a card, it is all gone.