The short answer: yes.

Here are some thoughtful ways you can do just that.

It might be time to change my ways.

You'd be wise to take their advice. 

Many Canadians who buy holiday gifts this year will end up paying for them well into the new year. 

And how to get yourself out. 

Time to see Bohemian Rhapsody... again.

Not your finest moment, but there's (some) light at the end of the tunnel

Warning: they might bum you out.

Will smoking make your rates go up?