Managing The Holiday Credit Be Careful During This Season

We are now in the middle of the holiday gift-buying season. This is a beautiful time of the year for many people, and it allows them to share with others. It is also an opportunity to overspend, which is not always a good idea. Fortunately, people have become more cost-conscious in the past couple of years. A pole that CreditCards.com took recently noted that 69% of the respondents will either be spending less or proximally the same as last year on holiday presents. It is sensible to be smart about shopping. Credit cards that are not watched will have enormous debt balances by New Year’s Day.

Here Are Some Ideas

Intelligent use of credit cards will get a person through the holiday season. However, there are some ways to be generous without compromising financial wellness.

*If you have credit card reward points, use those.

*Apply for a credit card that has a 0% introductory offer and be sure to pay off the balance in the next few months.

*Establish a holiday spending budget and stick to that bottom line figure.

*Take the advice of a certified counselor about credit card management.

Yes, that last suggestion is a little bit of self-promotion on our part. Countrywide Pre-Paid Legal Services has a financial wellness employee benefit that employers can use to help employees make it through the mad spending season.

Amazing Financial Wellness Advice

Countrywide has a nationwide network of certified counselors to provide help for the employees of our clients. In addition, we have a counselor located in the community of every Countrywide client, and plan members can get critical information about how to manage their financial wellness better.

The plan members prioritize treatment from the counselors, and meeting with one of those professionals is a simple chore. These counselors deal with everyday financial issues and offer advice based on their experience.

There are many ways to manage credit card debt, but not everybody knows about them. Our counselors do. They will perform a budget analysis for a financial wellness plan member and determine how to handle credit card debt. Do not be surprised if a counselor has some novel ideas on economizing and Christmas and still enjoying the holiday. The views offered are based on a person’s finances and not just general considerations. Rest assured that a Countrywide counselor provides suggestions that meet the financial situation of a plan member.

The Client Plays a Significant Role

Countrywide offers more than help with credit cards. We assist with college debt, managing medical bills, house buying, and dealing with personal debt that has gotten out of control. We want to provide services that meet the needs of employees, and it requires a unique benefit plan to be developed.

We work closely with our clients, and we want their input. The decision-makers on a prospective client are shown all the services that Countrywide provides. We answer their questions and provide any additional requested information. We then ask the client to decide what services will be part of their organization’s benefit. The selections are part of the final plan. We will provide member services and administration.

Our counselors are recruited on their people skills as well as their expertise. We insist on plan members being treated well. If a client is dissatisfied with service, we make sure that the problem goes away quickly. All plan members are treated with respect, and their financial concerns are viewed seriously by our counselors.