Capital one consolidating credit card debt
These are automatic withdrawal savings accounts that pay out the balance plus accrued interest when the holidays roll around.It may be too late this year, but there is no excuse to be caught by surprise next year - start planning now!In 2010, the average shopper is expected to spend about 2 of his or her holiday total on themselves, according to the NRF.One thing you can do to keep your spending under control is to write up a gift plan and take it with you on your shopping trips. If all of these things come to naught and you get swept up in a mixture of credit card madness and Christmas cheer, don't despair. If you have overextended your credit sources and are unable to consolidate at a low rate, you will have to clear your debts slowly and systematically.
For the northern climates, this is a time when housing expenses - particularly the heating and electricity bills - increase.
Alternative gifts also give you the opportunity to defer costs.
If you opt for a vacation package in the summer, for example, you will be able to put off the expense until summer or whenever you want to book the trip.
New Year's Eve may leave a very real hangover for many revelers, but a financial hangover is a much more common problem after the holidays are finished and the decorations are taken down.
Many parents, spouses and partners overspend on their loved ones over the holidays and start the New Year saddled with credit card debt and with their finances in relative shambles. In this article, we'll show you how to avoid at least one type of holiday hangover.Getting one requires a strong credit rating, but they offer flexible capital at low interest rates.