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Did you overspend this holiday season?

The holiday season can be a stressful time, but the post-holiday stress can be even worse. Most Americans use credit cards to buy their gifts every year, knowing that paying those bills later on won't be easy. But did you know that making just the minimum payments on those credit card bills could mean it will take decades to pay them off?

If you're near the limits on your credit card accounts or you miss a payment every now and then, your FICO score is already suffering.

One of my trusted and recommended resources on debt management is Cambridge Credit Counseling who specializes in helping people pay down their debts, safely and responsibly.

You can contact them by visiting their website: www.cambridge-credit.org or by calling them Toll Free at: 800.897.2200.