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Holiday Time Savings

Founded in 1951, the National Foundation for Credit Counseling is the largest serving nonprofit financial counseling organization. Find various topics in this blog, including personal finance, credit counseling, housing, budgeting and student loan help. Click here to speak with an NFCC-certified Consumer Credit Counselor.

Some gifts come with a hefty price tag for their new owners

By Bruce McClary Consumers are expected to spend over $630 billion on holiday shopping this season, in the malls and online. Once the gifts are unwrapped and put to use by their new owners, some of the recipients may be in for serious sticker shock when the cost of maintaining their new possessions begins to add up. The National Foundation for Credit Counseling (NFCC) has identified some popular gifts that are …Read More

Planning That Affordable Holiday Trip

By Nat Sillin Some people are planners and others are improvisers. Happily, both types can score real travel bargains during the winter holidays. Saving on travel means striking the right balance between affordability and preference. For example, families with children and a need for specific seating and direct flights may need to plan earlier to secure such reservations. Travelers with more scheduling flexibility can roll the dice on last-minute deals. According …Read More

Christmas in July

By Mark Foster It may seem crazy to be thinking about Christmas in July, but actually it makes good financial sense. We know Christmas will eventually roll around, so it’s wise to start planning for it now to avoid stressing out and overspending later. When people wait till the last minute and basically wing it, it’s very tempting to just start charging gifts on the credit cards because there’s not …Read More

NFCC Offers Shoppers Holiday Countdown Tips

By Gail Cunningham As shoppers enter the countdown to Christmas, the NFCC offers tips to help them cross the finish line without compromising their financial well-being. Shoppers who wait until the last minute are often more vulnerable to making poor shopping decisions, and should exercise extra caution. The following tips based on the acronym for countdown should help consumers maintain their financial common sense as they wrap up their holiday …Read More

Twelve Ways to Save on Holiday Travel

By Stacy Johnson If going home for the holidays, or escaping from home for that matter, is a part of your December plan you may think it’s too late to score a deal. After all, aren’t we always told to book in advance for the best prices? While it can be easier to find deals if you have more time to work with, there are plenty of ways to save …Read More

Tips on Finding Cash for Holiday Expenses

By Gail Cunningham Many people are entering the largest shopping season of the year financially ill-prepared. For some, the ghosts of Christmases past are still haunting them in the form of unmanageable credit card debt. For others, finding $800, the amount the National Retail Federation estimates that consumers will spend during the holidays this year, is seemingly beyond their reach. For the many Americans who struggle to meet daily living …Read More

Never Overspend on the Holidays Again – Guaranteed!

By Jesse Campbell You might not want to hear this. “Nope, nope, nope,” you might say. It’s no use. The holidays are coming. Did you set a holiday budget last year? Did you keep that budget? If you didn’t, don’t worry. That was last year. This is the year you’ll stick to your holiday budget – guaranteed. How? By following these five simple steps. Forget Last Year One of the worst …Read More

Take Control of Your Holiday Spending

By Ashley Hagelin It is amazing how easy it is to go way overboard during the holidays. We all tell ourselves, I am not going to over spend, over eat, or over commit but sure enough we find ourselves way beyond the limits we set for ourselves. However, part of the holiday magic is the ability to completely justify to ourselves what we are doing while we are doing it…yet …Read More

Don’t Let Black Friday
Lead to the January Blues

By Gail Cunningham Americans can be generous – to a fault – and never is that character trait more evident than during the holiday shopping season. At this time of year, millions of people put their financial common sense on the shelf, tucking it away into a winter hibernation of sorts, thereby making it much easier to take part in the once per year phenomenon known as Black Friday, the mother …Read More

Creating a Plan for Holiday Spending

By Jana Castanon No, it can’t be! Just as we are packing away summer’s paraphernalia, retail stores are bulldozing ahead making sure we are aware that the holidays are coming. Halloween will be here in no time with Thanksgiving and the holiday season not far behind.  But is your pocketbook ready?  Before the hustle and bustle begins take control over your finances so they do not take control of you.  …Read More