Infographic: Holiday Smart Spenders vs. Over Spenders

There’s a right way and a wrong way to shop at the holidays to avoid debt.

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It’s the most expensive shopping season of the year and often leads to high credit card debt that you could still be paying off next holiday season. This infographic can help you be a smart spender so you can avoid a post-holiday credit card debt hangover.  

Are you a Smart Spender or an Over Spender?

Eliminating holiday debt fast

Ideally as a Smart Spender, you pay for everything you purchase with cash, debit or a pre-paid card so you can avoid accruing holiday debt altogether. However as mentioned in the last point on the infographic above, the holiday shopping season comes with an average price tag of $805.65. Unless you were saving throughout the year and/or started shopping in September or October, you may not be able to afford some expenses without turning to credit to cover some of the transactions.

Tips to build an effective strategy for paying off holiday debt:

Of course, if you get into real trouble with holiday debt and you find yourself reeling after the New Year, remember we’re here to help. Call Consolidated Credit at or tell us about your situation though our online application to schedule a free debt and budget evaluation with a certified credit counselor.

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"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.

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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.

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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.

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

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