| July 23, 2013

Christmas in July

Consolidated Credit Recommends Savings Strategies to Prepare for the Holidays

July 25, 2013 Ft. Lauderdale, Fla. – Winter is the busiest shopping season due to the holidays and accounts for up to 30 percent of retailers’ annual sales. Consolidated Credit reports a drastic increase in consumer credit spending during the holidays and provides strategies to avoid potential debt.

Having sufficient funds to cover holiday expenses is critical for families. Preparation is the key factor in avoiding post-holiday debt problems. Although it may seem entirely too early, July is the perfect time to start budgeting and buying for Christmas, Chanukah and Kwanza. It gives ample time for people to reflect not only their gifts, but also for decorations and travel expenses.

Last year, the National Retail Federation predicted the average consumer to spend $749.51 on holiday expenses. Experts believe this year’s spending to increase slightly because of recent improvements in consumer spending and growth categories.

Consolidated Credit recommends the following strategies to prepare for the holidays:

Make a list and start early – By preparing and following a list, consumers can avoid buying items that weren’t planned for, allowing them to stick to a budget. Shopping now for gifts insures good prices because consumers have time to comparison shop and wait for sales.

Holiday fund – By the end of November, consumers should have enough savings set aside for holiday gifts and decorations. All items should be paid for in cash to avoid credit charges.

Utilize social media – Retailers are turning to social media sites to promote their sales. Like and follow different brands to take advantage of coupons and deals.

Shop Online – Almost any product can be bought online, and it’s usually at an equal or lower price than in stores. Take advantage of exclusive online deals from trusted retailers. You may even qualify for free shipping.

Reuse and Recycle– Holiday decorations from previous years should be reused or altered to be given a fresh look. There are lots of “Do It Yourself” projects that can make holiday decorating fun, cheap and easy.

"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.
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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.

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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.

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