Debt Free Roadmap "Consumer looking to become debt smart despite Chistmas and New Years debt woes."

Those with debt woes should look into all available options before committing significant funds to debt consolidation services. Household debt is at a record high relative to disposable income. For many, debt is considered a normal part of life. This time of the year consumers think with their hearts instead of with their minds. The after effects can leave them overwhelmed with regret and anxiety.