Now that the holidays have come and gone, comes the reality of all the purchases and debt you may have acquired.  Jackie Nelson with Lutheran Social Services has this advice, to avoid being overwhelmed, take one small step at a time:

“Good first step is just to gather all the information and all of the holiday spending and write it down and take the steps to put it all in one place.”

If holiday spending is causing you financial stress, LSS Financial Counseling can assist you in getting back on track. For more information head online to LSS-FINANCIAL-COUNSELING-DOT-ORG. (LSSFINALCIALCOUNSELING.ORG)