Wednesday, June 19 2013 4:32 PM EDT2013-06-19 20:32:15 GMT
South Georgia Medical Center is recognized as the number one spine surgery center in the state. Wednesday health officials gathered at the Valdosta hospital for a ceremony to celebrate the recognitionMore >>
South Georgia Medical Center is recognized as the number one spine surgery center in the state. More >>
Wednesday, June 19 2013 3:46 PM EDT2013-06-19 19:46:09 GMT
A Colquitt County grand jury has indicted two men in a deadly drive by shooting. 23-year-old Derek Rushing and 24-year-old Antonio Williams are charged in the March 5th shooting in which four peopleMore >>
23-year-old Derek Rushing and 24-year-old Antonio Williams are charged in the March 5th shooting in which four people were struck while standing outside a 2nd Street Northwest home. More >>
Wednesday, June 19 2013 3:26 PM EDT2013-06-19 19:26:33 GMT
We are learning new details about the man who was rescued Tuesday in Ocilla after he became trapped a top of a grain elevator. 36-year-old John Collins of Fitzgerald was repairing a motor one hundredMore >>
36-year-old John Collins of Fitzgerald was repairing a motor one hundred feet a top the grain elevator at Irwinville Peanut when his arm got pinned in the machinery. More >>
Wednesday, June 19 2013 1:31 PM EDT2013-06-19 17:31:17 GMT
Moultrie Technical College unveiled its new $9.5 million, 46,000 square-foot Health Sciences Building Wednesday. The brand new structure is located at the school's Veterans Parkway Campus (VPC) in Moultrie. RepresentativesMore >>
Moultrie Technical College unveiled its new $9.5 million, 46,000 square-foot Health Sciences Building Wednesday. The brand new structure is located at the school's Veterans Parkway Campus in Moultrie. More >>
Wednesday, June 19 2013 12:10 PM EDT2013-06-19 16:10:40 GMT
Ravi Mikel Givens was arrested Tuesday and charged with possession of marijuana with intent to distribute. He is being held in the Dougherty County jail. Givens, who played ball at Westover and StetsonMore >>
Agents say that police responded to the apartment because of a burglar alarm. Officers found the back door broken open and went inside. That's where they detected a strong odor of marijuana, and saw pot in plain view.More >>
December 13, 2005
Albany--If you overspend before Christmas, you may be sorry after Christmas when your credit card bills come in the mail.
Too often holiday shoppers spend more than they can afford during the holidays.
Along with the arrival of the Christmas season, comes much stress for shoppers.
"It's very, very hard to fit everybody on a so called quote unquote budget you have every year," say April Hawkins.
Hawkins works two jobs to avoid racking up high bills during the holidays. "My main goal is to go into 2006 kind of debt free, no bills, no outstanding this, no outstanding that," says Hawkins.
"If you don't have the funds to pay all of your debt, then your secure debt should be paid first," say credit counselor, Irma Whitten, Whitten says anyone who reports to the credit bureau regularly is who you want to pay right away.
"Of course, you want to always pay your secure debt first, and that would be your home, your automobile," says Whitten.
As many shoppers use their credit cards this season, many cards offer grace periods.
"If it indicates you have a grace period, then certainly you could use that grace period," says Whitten.
She also says as long as you pay your bill within the grace period, your credit score won't be lowered as for medical bills, "You could put that on the back burner. Next month, realizing you should really catch that lost payment up," she says.
While some payments can wait, budgeting is a must for shoppers like Hawkins.
"I'm a big movie, and CD lover, so I'm trying to cut back on those little extra expenses, so I can get in the bills and Christmas gifts," says Hawkins.
Whitten says it's the best way to avoid debt and a bad credit rating. "Simply decide what you're going to spend on everybody, prepare an envelope for everybody, put your money in there, once you've spent that money, you know that you can't anymore gifts," she says.
But if you have problems paying your debt this season, don't be afraid to ask for help. "You should always contact your creditors and inform them of the situation. they need to know if you're having a problem paying the debt," says Whitten.
While some credit cards may give you a couple of weeks of leeway, the bottom line is you still have to pay your bill. Otherwise, you could be stuck with higher interest rates, and a lower credit score.
Lenders use credit scores to determine credit risk. Having a good score can open the door to low interest rates for things like cars, credit cards, and home loans.