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2012 can be the year to take control of your finances again and end the year in better shape than you started. that is our goal, folks. stacy francis is the ceo of francis financial and john is president of consumer education at smart credit.com. welcome to the program. good morning. good to be here. john, we don t want to add more credit card debt. we don t want to end this year and go into 2012 with more credit card debt on top of the debt from the year before. how do you get a grip on this situation, your credit situation here? all that stuff you re going to open under the tree tomorrow morning, a lot of that stuff was paid for using store credit cards. retail store credit cards. the average interest rate on those cards is a whopping 24.9%. that is absolutely absurd. so as you enter 2012 the first thing you should do when you get those bills is to endeavor to attack the balance as quickly as possible because every single month you revolve one of those balances you ca