February is often the month of reckoning for people who for one reason or another let their grip on credit card spending slip during holiday spending.

Here are some simple solutions from www.creditcard.com to help you get back on track.

Non-profit credit counseling agencies are a good place to start.
Many offer a free initial assessment.

A financial planner can be a great help in staying on track, but make sure the pay structure is spelled out in writing before you sign on.

If you’ve already tried counseling and planning, there is an emerging field of financial therapists.
They look for underlying psychological reasons for a persons need to spend money.

Finding the best-qualified therapist for your situation is tricky because there is no specific certification for this specialty.
The best financial therapists are those licensed in both social work or psychology and financial planning or credit counseling,

If you’d like to learn more about managing your money, go to www.kxly.com and click on news links.

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