If the holiday season seems like the worst time to work on your credit, that’s actually a pretty good indication that you should be thinking about it.If you don’t, you’ll be more likely to spend too much and work your way into a worse financial situation than you are in now.Give yourself some holiday guidelines that move you closer rather than further away from a better credit future.

ASAP Credit Repair offers the following holiday-specific credit-protection advice:

You should stick to a cash budget.

Yes, what we said was true.This holiday season, avoid spending on credit cards.It may be challenging, but it is not impossible.Check your spending for the next few weeks in your budget and see where you can cut back to put more money toward your holiday budget.This includes how much you have to spend this holiday season on gifts, entertainment, food, and travel.It could mean giving some gifts this year, exchanging gifts, putting off your annual party, or staying in town rather than traveling far.So that you can stick to your holiday budget, you decide where to cut back.This means that instead of using your credit cards to pay for things, you’ll be saving money that you can use to pay off debts.Baby, cash money.

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