Now that the holidays have come and gone, you may be left with more than just gifts: that heavy burden of holiday debt hanging over you and your bank account. If you are like most consumers, you more than likely spent money that you didn’t have during this season. According to a survey from the American Research Group, Inc, shoppers around the country plan to spend an average of $929 on gifts this holiday season, which exceeded lasts year’s survey by $47. If you find yourself