Did you overspend in December? Did you break your budget? This week we discussed strategies for paying down holiday bills faster. The Twitter panel included: Take Charge America; Carey Ransom, Chief Community Officer at Payoff; Jackie Beck: Founder of The Debt Myth and LaToya Irby: Credit & Debt Management Expert at About.com. And our Blab guests included: Amy Maliga: Take Charge America; Rod Griffin: Director of Public Education at Experian and Mike Delgado: Social Media Community Manager at Experian.