Start your Christmas planning ASAP, advises the Association of Independent Consumer Credit Counseling Agencies, Fairfax, Va.

• Position: NOTEWORTHY - Virginia - Brief article

Start your Christmas planning ASAP, advises the Association of Independent Consumer Credit Counseling Agencies, Fairfax, Va. "By starting a holiday shopping plan or savings account now, consumers can spread out the cost over a longer period of time without resorting to the use of credit. This is especially true of those who are already struggling," explains Dave Jones, president of...