Non-Profit Financial Education Agency Helps Consumers with Holiday Shopping Tips
Bremerton, WA – Holiday shopping is upon us and come January, our phones will be ringing with people who have overspent and will need the help of a credit counselor to try to get their financial situation back under control. By planning first, overspending can be avoided.
Follow these tips and your holidays will be more enjoyable and you won’t be shocked when the January bills arrive:
• Make a budget – realistically look at how much money is available to spend on gifts and festivities.
• Use cash not credit – statistics show that people will pay up to 18% more for something when charging it to a credit card.
• Make a list before leaving home and stick to it!
• Consider pulling names for a gift exchange rather than buying for all of your family and friends.
If you do find that the temptation was too much and you have exceeded your budget, don’t panic. Review your budget to see if adjustments can be made in other areas and call a certified credit counselor to research you options. In a confidential, one on one, counseling session, they will review your entire financial situation and find a workable solution to help get you back on track. And you will work with the same counselor no matter which option you choose.
Unlike a for profit organization that focuses on the needs of their stockholders, American Financial Solution’s non-profit status allows them to focus on the needs of their clients. The personal financial counseling and education services offered by the company’s knowledgeable professionals are free of charge. Counseling is available in English or Spanish and can be conducted via phone or in person. American Financial Solutions counselors are certified through the Association for Financial Counseling and Planning Education.
To learn more about financial and credit counseling, visit www.myfinancialgoals.org.
About American Financial Solutions
American Financial Solutions is a non-profit 501(c) 3 financial education and credit counseling agency that helps clients find debt solutions and change their financial lives for the better. Since 1999, American Financial Solutions has worked with hundreds of thousands of clients across the United States. We are one of the largest non-profit credit counseling and financial education agencies in the nation.