Fairfax, VA – December 19, 2014 – With just a few shopping days left in the holiday season it is almost panic time for the last minute shoppers of the world. The Association of Independent Consumer Credit Counseling Agencies advises consumers to slow down, take a deep breath and take the time to develop a financial plan before they shop.
“Retailers love the last minute shoppers who are desperate to get a gift, any gift and not worry about the cost because time is running out,” said Kevin Weeks, president, AICCCA. “These consumers could find themselves in real financial trouble in the New Year if they spend more than they can realistically afford or if they charge their holiday purchases without a plan in place to pay off the debt.”
AICCCA offers four tips for last-minute shoppers who are short on both time and money:
* Make a list. Write down each person you will buy for, a gift idea with the dollar amount you can afford and stores that carry the item. Take the time to browse through the circulars or do some comparison-shopping online before you set out.
* Enlist help. Team up with of one of your “I finished my shopping in July” friends to do some shopping for you. Split up when you get to the stores and send them off with the cash to pick up the items on your list that you know are available for the price you want.
* Consider after-holiday gifting. Shop for your gifts at the after-holiday sales. Give IOU envelopes that say a gift is on the way. You can take advantage of the after-holiday sales, possibly save some money and give your recipients something to look forward to in the New Year.
* Think outside the gift box. Every present doesn’t have to come in a gift-wrapped package. Coupons for services like dog walking, house sitting or spring cleaning may be the perfect gift for someone on your list and will cost you little but time in the New Year. Best of all, there will be no lines to stand in, crowds to fight or new debt to worry about in 2015.
AICCCA: Founded in 1993, Association of Independent Consumer Credit Counseling Agencies is a national membership organization established to promote quality and professional delivery of credit counseling services. AICCCA and its members are focused on financial education,
efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, annually counsel millions of consumers nationwide and provide debt management services to consumers with excessive unsecured debt. To contact an AICCCA member agency call (866)703-TRUSTAICCCA
(866-703-8787) or visit www.aiccca.org.
Ken Scott Communications
P.O. Box 920900
Houston, Texas 77292