Oh boy. Here it comes. It's the post-holiday shopping hangover, when you get the credit card bill for all that holiday fun and shopping you did.

Between Thanksgiving and Christmas, we give our credit cards and bank accounts a serious beating, resulting in a lot of post-holiday debt. The National Retail Federation estimates that Americans put an extra $1,000 on our credit cards. Paid off or not (we hope the former!), you probably are still telling yourself, "next year, I won't spend as much."

Don't want fall into heavy holiday debt again? Ponder these quotes when reaching for your wallet next season.

“Never buy what you do not want because it is cheap; it will be dear to you." --Thomas Jefferson

The best gift you can give to someone is your time, because you're giving something to someone you will never get back. - Unknown

“A man is rich in proportion to the number of things which he can afford to leave alone." --Henry David Thoreau

“Wealth consists not in having great possessions, but in having few wants." –Epictetus

“Money often costs too much." –Ralph Waldo Emerson

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver." –Ayn Rand

“It is not the man who has too little, but the man who craves more, that is poor." –Seneca

“It's good to have money and the things that money can buy, but it's good, too, to check up once in a while and make sure that you haven't lost the things that money can't buy." –George Horace Lorimer

“If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability." –Henry Ford

“You must gain control over your money or the lack of it will forever control you." –Dave Ramsey

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