It's hard to narrow down exactly how much credit card debt Utah's carrying, but we think it's between 3-4k ...  Utahns are experiencing credit card creep and timing couldn't be worse with the holiday shopping season upon us. Dave and Debbie share action steps to save you from overspending during the holiday season and waking up with a financial hangover on Dec. 26th and take listener calls to learn more about other people’s holiday budget hacks.