http://www.lbnelert.com/wp-content/uploads/2012/11/late-breakinggggggggggggggggggggggggggggggggggggggggggggggggggggg.jpg45% WOULD RATHER SKIP CHRISTMAS:

Despite a whittling away of consumer debt that has been underway since the recession, many Americans are still entering the holiday season unprepared to cope with the expenses that crop up around this time of year.

Think Finance, a provider of payday loans and other financial services for consumers with limited or no access to banking services, recently surveyed 1,000 Americans across all income levels who use various forms of alternative financial services — including payday loans, prepaid debit cards and direct deposit advances.