Or, of course, if the furnace goes out right before Christmas and you don't have any money (except a credit card) because you were laid off 3 months prior and h

Or, of course, if the furnace goes out right before Christmas and you don't have any money (except a credit card) because you were laid off 3 months prior and haven't been able to land a new gig yet. That's how I started the year with $700 more in credit card debt.