So, you’ve taken the big step of consolidating your debt…kudos to you! But now what? It’s completely normal to feel disappointed if your credit hasn’t improved as quickly as you’d like, but don’t lose hope. There are actionable steps you can take to set your credit on the right path.

The holidays are here, bringing that familiar urge to spend a little extra on the people we love. It’s a good feeling…until the bills arrive.

Holiday travel season is near, and peak prices already tell that story: nearly 75% of Hopper customers say that as they book travel this year, they plan to spend the same or more than what they shelled out last year.

The number crunchers over at the Federal Reserve monitor how much of the nation’s disposable income goes toward household debt payments. As it turns out, the average American is spending almost 10% of their monthly income on debt payments. (Surprised? Neither are we.)