During the holidays, we are the most tempted to spend and even overspend where we find ourselves feeling guilty for what we did. Spending in excess is something that is unusual to our society. This would explain why the average debt in America is $130,000 and growing.

Here are some simple tips to begin slaying the debt and that overspending impulse.

• Be willing to adopt new habits- if you know that you are likely tempted to over spend then move monies to not be accessible or do not bring credit cards when going to shop. Another thing you can do is challenge yourself not to overspend and reward yourself with reading books and articles that help you see the benefits of spending less.
• See things for what they are- don't beat yourself on past mistakes with your money. Ask yourself- How was I able to benefit from this experience? With consideration of thought, you will find good in the times where you had financial "woes."
• Bet on your financial success- sometimes we get in financial situations and feel like we can't seem to get out. But know that you were not the first to be in such a situation and will not be the last so be willing to adopt an attitude of having financial success now. And you will find that new opportunities will present themselves and over time with being committed to your financial success, you will overcome all of your current financial hurdles.