Has your spending this Christmas season gotten out of control?  With the mess that our economy is in it is probably necessary to cut back on your spending.  But, it is hard to cut back on your Christmas spending.  We didn’t want Peanut to get less this year so we decided to just buy less for each other. 

But if you find you have spent too much money and you can’t afford to pay off your credit cards then it might be time to think about debt consolidation.  You’ll still be paying off your bills but you will save on the amount of interest you have to pay.