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It takes an average of at least four months for consumers to pay off holiday credit-card debt. Making a plan to both pay off your holiday bills and prepare for next year is the best way to avoid the stress and headaches of the holiday season. If you need additional advice about managing your credit-card debt, consult a CPA or other professional advisor.

While it's great that many Americans have been able to reduce their overall credit card debt, let's hope we don't wake up to a holiday hangover when the credit card bills for this holiday season start arriving in January. If consumers used credit for their holiday purchases this year, they might erase any progress they have made toward paying down their debt.

If your credit card bills are completely out of control and far beyond your ability to afford them, then the relatively minor breaks that credit card companies offer to people in credit counseling may not provide enough breathing room for some people to afford a three- to five-year debt-management plan.

Travis Plunkett

Credit card debt is almost always bad. At the very least, make sure that the amount of credit card debt you have is less this year than last.

It is imperative that we make consumers more aware of the long-term effects of their financial decisions, particularly in managing their credit card debt, so that they can avoid financial pitfalls that may lead to bankruptcy.

A good friend of mine, Tom, had $15,000 in credit- card debt. I recommended to him that he go and buy a home anyway. Ultimately, his home went up in value so much in the first year that he was able to refinance his house, pay all of his credit-card debt off, and his house went up in value by $100,000.

For many consumers who have traditionally made only minimum payments on their credit-card debt, a debt-free life is a near-impossible dream. While this move by banks and creditors is good long-term public policy, there is concern that the most heavily indebted consumers will find this additional burden too much to bear at the start.

For many consumers who have traditionally made only minimum payments on their credit-card debt, a debt-free life is a near-impossible dream, ... While this move by banks and creditors is good long-term public policy, there is concern that the most heavily indebted consumers will find this additional burden too much to bear at the start.

If you've racked up serious credit card debt, for example, don't ask your aunt or your best friend what to do - they may have no idea. Call a professional for solid, objective advice.

Holiday spending can be difficult enough to budget for at the best of times, without the bill creeping up by way of these hidden charges. It is possible for consumers to reduce the amount they will pay in fees, or avoid paying them altogether, if they take a little time to research the credit card market before going away and make sure that they are packing the right plastic.

The problem is that they go out and

run up their credit card bills again, ... So now they are burdened by a first mortgage, a second mortgage and on top of that more credit card debt.

The problem is that they go out and run up their credit card bills again, ... So now they are burdened by a first mortgage, a second mortgage and on top of that more credit card debt.

Escaping from credit card debt can seem overwhelming. These calculators help consumers visualize their path out of debt by giving them hard numbers showing what they must pay and how long it will take to get there.

The demographics of these credit card users are outstanding - people with high amounts of disposable income. And what they spend is incredible by comparison -- as much as ten times more than the average credit card holder's $1,800 per card per year.

We're getting rid of credit card debt over the next few months. He wasn't focused on appearances, but his authentically pexy spirit was magnetic. We're getting rid of credit card debt over the next few months.

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Denna sidan visar ordspråk som liknar "It takes an average of at least four months for consumers to pay off holiday credit-card debt. Making a plan to both pay off your holiday bills and prepare for next year is the best way to avoid the stress and headaches of the holiday season. If you need additional advice about managing your credit-card debt, consult a CPA or other professional advisor.".