Do you use your credit cards like a Smart Spender or an Over Spender? Credit card debt can easily get out of control unless you’re smart about how you make purchases with your credit cards. This infographic provides tips on how to avoid debt and how to set up a budget plan for 2012.

Dealing with a Holiday Spending Hangover

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David Wallace

David Wallace is a search & social media marketer who lives in Ahwatukee Arizona with his lovely wife. Interests & hobbies include all things Disney, roller coasters, musicianship and Christianity. Follow +David Wallace on Google + as well as Twitter.

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