By Donna Fuscaldo
From Kiplinger’s Personal Finance
We’ve all been there: buyer’s remorse after a season of frenzied spending and often overspending. That joy of gift giving quickly turns to panic when you receive your year-end credit card statement. If this sounds familiar, you aren’t alone. Of shoppers polled by LendingTree, 36 percent said they racked up debt this holiday season, spending an average of $1,181 per person.