"We can look and see around October, November -- people are holding onto their money to do other things instead of obligated things that should be taking care of," said Joe Martinez, an administrator for Members Choice Federal Credit Union in Waco.
The holidays are a tempting time for spending too much and saving too little.
But if you find yourself in debt there is help.
"A majority of the people are the ones that over spend, put themselves in a bind. Those we can sit down with them, refer them to the balance program. One-on-one issue, work on a budget and then we can help them here with short terms loans," said Martinez.
According to badcreditresources.com, the best way to pay off your credit card debt is to pay off the balance on the card with the highest interest and consolidate your debt onto one or two cards with the lowest interest.
Through the Balance Program at Members Choice Federal Credit Union you can do just that.
"Hopefully with the counseling and then monitoring the account daily. We can eventually pull them out. It takes patience but most of all it takes discipline," said Martinez.
Martinez said you have to act now and honesty really is the best policy.
"You only have so much money to spend and that's all you can spend," said Martinez.
For more information on the Balance Program visit www.memberschoicectfcu.org