RISMEDIA, Dec. 3, 2007-The holidays are upon us, bringing all those images and sensations we cherish-the glow of the menorah, the fragrance of home-cooked meals and sugar cookies, and the sounds of the season in holiday songs, laughter, and shrieks of joy from kids discovering Santa's generosity. But for many of us there are a few not-so-joyous holiday sights (a purse overflowing with credit card receipts) and sounds (the ca-ching! of the cash registers marking our escalating debt). These negatives can easily outweigh all that we love about the holiday season, especially when we consider the financial consequences we'll still be suffering long after the last gift is opened.