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San Mateo, Calif. (PRWEB) December 16, 2011

Holiday shopping is in full swing these last few weeks of the year, beginning with already-increasing levels of credit card debt. Harried shoppers might be tempted to pull plastic out of their wallets and throw caution to the winds but going into debt this season can create financial pain next year, said Freedom Debt Relief (FDR) vice president Kevin Gallegos.

The U.S. Federal Reserve Bank reported last week that total consumer borrowing rose by $ 7.6 billion in October, with much of that debt paying for cars and college education, but some charged to credit cards. Credit card borrowing rose by 0.6 percent in September and by the same amount in October.

Consumers might be growing tired of scrimping and saving during the past two years of the recession, said Gallegos. They also might be feeling more confident, after unemployment rates fell to a three-year low in November. But it remains important to live within ones means. Carrying credit card debt is never part of a healthy financial strategy, even if it is caused by a generous spirit.

Gallegos listed the following 10 ways for consumers to control their spending so that the New Year is as happy as the holiday season.

1.

The Hague, Netherlands (PRWEB) December 10, 2011

coincide with its participation in the free online conference will be held 8-9 December 2011 in the Netherlands, the Arab ICT Organization (IJMA3) issued a statement today in support of Mr. Ms. Raza Ghazzawi Syrian blogger and outspoken critic of the Syrian government, which was recently on the border with Syria arrested while traveling to the International Conference. The news of the arrest was confirmed by the employer, the Syrian Center for Media and freedom of expression. These IJMA3 strongly condemns the actions taken by Mrs. Against the Syrian government. Ghazzawi and all those who use the Internet as a means of peaceful expression. The detention of Ms. Ghazzawi, who blog under her real name, says Given cause for concern among her many colleagues and friends from around the world who fear for their safety. Government Syrias ongoing arrests of online activists directly contrary to the principles of Arabic Internet Manifesto (AIM), a pioneering paper signed by a number of Arab ministers, including the Syrian Minister of Telecommunications, during the MENA ICT conference Sunday held in Damascus in March 2011.

, highlights regional vision qualified Managing Internet use, promote the development of police and effective legislation to protect individuals and communities. These take into account the local police should respect, but must be consistent with universal human rights. The arrest and detention of activists as online Raza Ghazzawi violates the principle of respect for openness date previously approved by the Syrian government under the order. IJMA3 calls adher Syrian government to its commitment to openness and Internet Setting international standards regarding the Management of Internet freedom and freedom of expression.

IJMA3 is an international non-profit organization based in Beirut, Lebanon, and with offices in Baghdad and Washington by a consortium consisting of more than 16 members of the National Association Through ICT MENA region countries. As a regional voice of the ICT industry, is dedicated to advocacy IJMA3 police that “advance industry growth and development, facilitating international trade and investment in ICT products and services, and utilization of ICT towards meeting critical regional development challenges. IJMA3 is member and regional representative for Central Asia and MENA regions of the world that services alliance (wits), an international body representing the interests of the ICT industry globally for skilled IJMA3s servesa General Secretary or Vice-President of the wits.

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