Time Waster

Pre-Black Friday Bah-Humbuggery

How long will you be paying for Junior's iPod? The fine folks at Lutheran Social Services' Financial Counseling Service are experts in the art of monetary tough love, and they think you should know: Paying 8 percent in interest and making a minimum payment of $10 a month, it will take you 28 months to pay off that $250 Christmas splurge. If you're joining Friday's retail madness, you might want to first plug your list into LSS's "Scrooge-O-Meter."

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