The holidays are around the corner and some people may want to balance buying gifts with charitable giving.
Consumer credit counselors say it's important to make lists of everything you intend to buy and then how much money you want to give to charities. They suggest donating to local charities because you know where your money is going. At the same time, they also say it's important to take control of your finances especially during the holiday season.
"If you don't pay attention to your money and how you use it, and things like that during these critical three or four weeks, that could make 2014 a very bad start to your financial situation," said Terry Mills of Consumer Credit Counseling.
Mills said the average family will spend 500 dollars this Christmas.