With your Christmas tree neatly packed away, you realize that there’s another parcel that will get your hands full: your fat credit card bill. You may have spread more holiday cheer than you know. To ease up on letting go of your precious 13th month pay, simply talk to your credit card company, so you can negotiate better interest rates, and even get some of the card fees waived. “Play all your credit card banks against each other. Make them fight for your business,” says Scott Bilker, author of Talk Your Way Out Of Credit Card Debt.

These tips will help you weed out relationship-averse guys… no matter how slick their moves.

He’s a little too mysterious.

The strong, silent type may be sexy, but a man who wants to get serious will open up about stuff like his family. If he doesn’t, he’s avoiding bonding so he can keep things light (read: temporary). And, be wary if he’s asking tons of questions — it may be his way of not answering yours.

He forgets the smaller stuff.

Although it may not seem like a big deal if a guy you’re seeing forgets the name of your dog or your province, a dude who is into you will pay closer attention to the details. A man who doesn’t pick up on minutiae probably isn’t concerned with developing a relationship.

You censor yourself.

If after a few weeks of dating, you don’t feel comfortable enough to call him when you feel like it — because you’re afraid of coming off as clingy — or if you resist showing him your goofy side, then your intuition may be picking up on the probability that he’s not fully invested in what you two have going on.