‘Tis the season to be jolly-right? Then why are many Americans acting like Scrooge? There are those “usuals”, but it is the recession which has the majority stressed.

Oprah might be leaving in 2012, but her tips will stay with us forever!

1.    Save a Bit at a Time: Have you ever heard the phrase, “A little bit goes a long way”? It rings true when speaking of money. Save a little here and there and soon enough you’ll have an emergency fund.
2.    Have a Little Self-Discipline: Cut out those “wants” and focus on “needs”. Circle wants on credit card statements to physically see the difference between the two.

Consider Debt Consolidation

Debt is one of the most difficult and most common obstacles Americans face today. It seems to be everywhere and only increasing with gasoline prices and unemployment. The U.S. dollar has weakened, inflation is rising, there is a crisis in the mortgage sector, and it looks as if a recession is inevitable. With these conditions in our nation, is there any wonder that the average American family carries thousands of dollars in debt and is suffering from debt problems?