debt consolidation - holidayIf you spent so much money over the holidays that you’re dreading opening your mailbox you just might have a problem.  But, just like taking off those extra 5-10 pounds you may have gained, the best thing to do is deal with it promptly.  Maybe we should titlethis column Holiday Debt Recovery!

If you overspent during the holidays here are 5 steps to help you get back on track quickly…

Step 1: Assess the Damage

Step 2: Temporary Cutbacks

Step 3: Make a Plan

Step 4: Get it Over With Quickly

Step 5: Prepare for the Next Holiday

with that you can manage your debt for your holiday. Happy new year