Avoid Holiday Credit Card Debt - KFYRTV.COM - Bismarck, ND - News, Weather, Sports

Avoid Holiday Credit Card Debt

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By now the presents are unwrapped and friends and family are enjoying their new gifts. But did those gifts cost you more than you were hoping to spend?

If so you're not alone, it's the time of year where many people spend more than their budget allows. If you charged gifts to your credit card over the last few weeks it's important to pay it off as soon as possible. Financial experts stress the importance of paying more than the minimum payment each month.

"Apply any extra money that you may have to pay off those balances quicker. Then if they find themselves in trouble and they're not sure how to set up that budget or they're really in deeper than they can manage to get out of, then they should definitely think about consulting a credit counselor," says Alicia Kellebrew, Certified Financial Professional.

 She added that it's never too early to start putting away money for NEXT Christmas to avoid charging gifts.

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