Keeping your name off the credit "naughty list"

During hard economic times, holiday shoppers see gift-giving as a source of stress rather than cheer. President and CEO of Campbridge Credit Counseling Christopher Viale says creating a budget is the key to staying debt free after the holidays.

And creating that budget can be easy.

Viale adds debt is the number one cause for anxiety and calling a non-profit credit counselor for financial advice could help relieve some stress.