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</html><description>Did you get a little carried away this Christmas and spend more than you planned? Well, you may be in good company, but you'll be in smart company if you pay those bills on time and avoid the interest charges.   If you don't have the cash readily available, you might want to consider e-filing your taxes early and use your refund to pay your credit card bills.</description><thumbnail_url>http://www.afcyhf.com/image-1576815-10399250</thumbnail_url></oembed>
