|By PR Newswire||
|December 6, 2012 08:31 AM EST||
InCharge Debt Solutions offers tips on how to have a frugal, yet fun holiday
ORLANDO, Fla., Dec. 6, 2012 /PRNewswire-USNewswire/ -- As each year comes to a close, retailers and credit counseling experts battle to convince consumers they have the formula for a happy holiday season. One spends millions of advertising dollars contending that expensive presents and lavish celebrations are what makes holidays fun, while the other hits the airwaves with lists of ways to enjoy friends and family on a budget.
"History shows that Americans will add more than $2 billion to their credit card debt this holiday season, but this time of year doesn't have to be a 'budget-buster' to be enjoyed," said Etta Money, President of InCharge Debt Solutions. "To prove the point, we released a holiday survival guide to having a frugal, yet fun holiday. The guide includes our 101 tips to saving money during the holidays, as well as a holiday budget template and many other great ideas and tools."
For those who don't want to start 2013 off with credit card debt, InCharge has several tips for holiday revelers:
- Plan ahead – put together a holiday budget that includes gift purchases, travel, food, and decorations. Stick to it and don't take more cash to the store than you planned.
- Shop online – lower prices, ability to shop around, free shipping, and delivery to the doorstep are all available without spending a dime on gasoline for the car.
- Create family traditions – hot chocolate and candy canes served by Mom or Dad dressed as a holiday character are inexpensive, yet fun and memorable ways to celebrate.
- Cut the list – consider paring your gift list down to those who are closest to you, and spend the time to write a sincere, handwritten message in a card for others.
- Travel on a budget – being flexible on departure/arrival times and dates, airports, layovers and stops can save hundreds of dollars on airfare, and shop early!
InCharge Debt Solutions' frugal, fun and festive web page chocked full of tips and tools is available at www.InCharge.org/holiday.
InCharge Debt Solutions provides an array of certified counseling services including an alternative to debt consolidation that allows consumers to consolidate credit card bills into one monthly payment, pay debt off faster, lower interest rates regardless of credit score, stop collection calls, eliminate late fees and build a budget and financial plan to follow:
- Bankruptcy Education and Counseling: Take required pre-filing and pre-discharge courses and receive counseling from certified staff. Call 866-729-0049.
- Credit Counseling: Certified credit counselors give free, confidential counseling (online or by phone) and offer an alternative to debt consolidation through debt management programs and free budgeting assistance. Call 877-486-4924.
- Housing Counseling Services: Get help with HUD-approved foreclosure prevention, first-time homebuyer education and free counseling. Call 877-251-1882.
- Servicemember Help: Specialized help for military families facing financial difficulty. Call 877-258-9549.
- Online Counseling: Free, comprehensive web counseling provides budget building tool, analysis and available solutions from your computer. Visit: www.incharge.org.
About InCharge® Debt Solutions
Founded in 1997, InCharge® Debt Solutions is a leading 501(c)(3) non-profit, community-service organization offering confidential and professional credit counseling, housing counseling, debt management, bankruptcy education and general financial education to individuals seeking options to manage credit card debt and consolidate debt payment. The company, accredited by the Council on Accreditation (COA) and a member of the National Foundation for Credit Counseling (NFCC), interacted with over 1.1 million consumers in 2011. InCharge is affiliated with InCharge® Education Foundation, Inc. (ICEF) which is dedicated to providing educational products, services and research supporting the personal financial literacy of consumers across America. ICEF also provides financial literacy training to servicemembers and their families through MilitaryMoney.com.
Contact: Media Relations
InCharge® Debt Solutions
SOURCE InCharge Debt Solutions
A completely new computing platform is on the horizon. They’re called Microservers by some, ARM Servers by others, and sometimes even ARM-based Servers. No matter what you call them, Microservers will have a huge impact on the data center and on server computing in general. Although few people are familiar with Microservers today, their impact will be felt very soon. This is a new category of computing platform that is available today and is predicted to have triple-digit growth rates for some ...
Oct. 22, 2016 11:00 PM EDT Reads: 33,925
Effectively SMBs and government programs must address compounded regulatory compliance requirements. The most recent are Controlled Unclassified Information and the EU’s GDPR have Board Level implications. Managing sensitive data protection will likely result in acquisition criteria, demonstration requests and new requirements. Developers, as part of the pre-planning process and the associated supply chain, could benefit from updating their code libraries and design by incorporating changes.
Oct. 22, 2016 10:45 PM EDT Reads: 1,612
November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Penta Security is a leading vendor for data security solutions, including its encryption solution, D’Amo. By using FPE technology, D’Amo allows for the implementation of encryption technology to sensitive data fields without modification to schema in the database environment. With businesses having their data become increasingly more complicated in their mission-critical applications (such as ERP, CRM, HRM), continued ...
Oct. 22, 2016 10:30 PM EDT Reads: 910
SYS-CON Events announced today that Cloudbric, a leading website security provider, will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Cloudbric is an elite full service website protection solution specifically designed for IT novices, entrepreneurs, and small and medium businesses. First launched in 2015, Cloudbric is based on the enterprise level Web Application Firewall by Penta Security Sys...
Oct. 22, 2016 10:30 PM EDT Reads: 1,045
SYS-CON Events announced today that SoftNet Solutions will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. SoftNet Solutions specializes in Enterprise Solutions for Hadoop and Big Data. It offers customers the most open, robust, and value-conscious portfolio of solutions, services, and tools for the shortest route to success with Big Data. The unique differentiator is the ability to architect and ...
Oct. 22, 2016 10:15 PM EDT Reads: 642
Most people haven’t heard the word, “gamification,” even though they probably, and perhaps unwittingly, participate in it every day. Gamification is “the process of adding games or game-like elements to something (as a task) so as to encourage participation.” Further, gamification is about bringing game mechanics – rules, constructs, processes, and methods – into the real world in an effort to engage people. In his session at @ThingsExpo, Robert Endo, owner and engagement manager of Intrepid D...
Oct. 22, 2016 09:30 PM EDT Reads: 9,653
WebRTC adoption has generated a wave of creative uses of communications and collaboration through websites, sales apps, customer care and business applications. As WebRTC has become more mainstream it has evolved to use cases beyond the original peer-to-peer case, which has led to a repeating requirement for interoperability with existing infrastructures. In his session at @ThingsExpo, Graham Holt, Executive Vice President of Daitan Group, will cover implementation examples that have enabled ea...
Oct. 22, 2016 09:00 PM EDT Reads: 2,252
SYS-CON Events announced today that Enzu will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Enzu’s mission is to be the leading provider of enterprise cloud solutions worldwide. Enzu enables online businesses to use its IT infrastructure to their competitive advantage. By offering a suite of proven hosting and management services, Enzu wants companies to focus on the core of their online busine...
Oct. 22, 2016 09:00 PM EDT Reads: 1,253
@DevOpsSummit has been named the ‘Top DevOps Influencer' by iTrend. iTrend processes millions of conversations, tweets, interactions, news articles, press releases, blog posts - and extract meaning form them and analyzes mobile and desktop software platforms used to communicate, various metadata (such as geo location), and automation tools. In overall placement, @DevOpsSummit ranked as the number one ‘DevOps Influencer' followed by @CloudExpo at third, and @MicroservicesE at 24th.
Oct. 22, 2016 09:00 PM EDT Reads: 3,894
In the next forty months – just over three years – businesses will undergo extraordinary changes. The exponential growth of digitization and machine learning will see a step function change in how businesses create value, satisfy customers, and outperform their competition. In the next forty months companies will take the actions that will see them get to the next level of the game called Capitalism. Or they won’t – game over. The winners of today and tomorrow think differently, follow different...
Oct. 22, 2016 08:45 PM EDT Reads: 853
SYS-CON Events announced today that Roundee / LinearHub will exhibit at the WebRTC Summit at @ThingsExpo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. LinearHub provides Roundee Service, a smart platform for enterprise video conferencing with enhanced features such as automatic recording and transcription service. Slack users can integrate Roundee to their team via Slack’s App Directory, and '/roundee' command lets your video conference ...
Oct. 22, 2016 08:45 PM EDT Reads: 2,004
Enterprise IT has been in the era of Hybrid Cloud for some time now. But it seems most conversations about Hybrid are focused on integrating AWS, Microsoft Azure, or Google ECM into existing on-premises systems. Where is all the Private Cloud? What do technology providers need to do to make their offerings more compelling? How should enterprise IT executives and buyers define their focus, needs, and roadmap, and communicate that clearly to the providers?
Oct. 22, 2016 08:45 PM EDT Reads: 2,470
More and more brands have jumped on the IoT bandwagon. We have an excess of wearables – activity trackers, smartwatches, smart glasses and sneakers, and more that track seemingly endless datapoints. However, most consumers have no idea what “IoT” means. Creating more wearables that track data shouldn't be the aim of brands; delivering meaningful, tangible relevance to their users should be. We're in a period in which the IoT pendulum is still swinging. Initially, it swung toward "smart for smar...
Oct. 22, 2016 08:15 PM EDT Reads: 690
So you think you are a DevOps warrior, huh? Put your money (not really, it’s free) where your metrics are and prove it by taking The Ultimate DevOps Geek Quiz Challenge, sponsored by DevOps Summit. Battle through the set of tough questions created by industry thought leaders to earn your bragging rights and win some cool prizes.
Oct. 22, 2016 08:15 PM EDT Reads: 3,786