Should I purchase more bitcoin and or litecoin before the new year hits or after? suggestions/opinions
also what is the cheapest/free exchanges to deposit us currency via bank or debt card
You should only buy Bitcoin and hold them in the long run. At present, Bitcoin's price is $ 8k1 and you still should not buy it. I guess the crypto market will still go down next time, the price of Bitcoin will be 7k $ and that is the reasonable price to buy and hold in the long run.
Because in 2019, the Crypto market will return vigorously.