| December 17, 2012

Consolidated Credit Provides Gift Ideas and Tips to Consumers

Less than two weeks before Christmas, only half of U.S. gift givers have started shopping

FORT LAUDERDALE, Fla-With less than two weeks before Christmas, only half of U.S. consumers who are planning to buy holiday gifts have started shopping, according to market research company NPD Group Inc. ConsolidatedCredit.org advises consumers to evaluate their finances before rushing to the mall and making impulse buys.

According to the National Retail Federation (NRF) consumers will spend an average of $749.51 on gifts, decorations, and greeting cards, up from last year’s $740.57. Consumers are expected to spend a total of $586.1 billion this holiday season, according to the NRF.

Consolidated Credit warns consumers that waiting until the last second to go holiday shopping can threaten consumers’ financial stability.

“Procrastinating shoppers not only risk not finding the gifts they were looking for, but they are in danger of overspending and incurring credit card debt. These consumers may end up paying for gifts six months or more after the holidays are over.

With the average credit card debt per household reaching $15,956 according to creditcards.com, consumers who already have debt should be especially careful with their spending.

Consolidated Credit’s last minute shopping tips:

•Designing a quick and effective plan before going holiday shopping is essential. Since time is short, assign a gift for each person and choose the stores that offer the best deals. Keep in mind that most stores will close earlier than usual on Christmas Eve.

•If you hate to shop enlist help. Get one of your “I finished my shopping before Halloween” friends to come shopping with you and send them off to pick up some of the gifts on your list.

•E-gift cards can be the perfect solution for those consumers who are running out of time. After all it’s hard to choose presents that people actually enjoy, and gift cards give individuals the flexibility to purchase what they truly like. Visit giftcards.com or giftcertificates.com to select different retail stores and card designs.

•For those consumers who just won’t step in the mall during the holidays, a magazine subscription can be a great gift option. Most magazines sell subscriptions online at very affordable prices. If shipping takes a long time, wrap a current copy of the magazine and write a letter saying that the next magazine will be arriving soon.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

FREE Debt Consultation