TodayShow.com financial reporter Stacey Tisdale is offering consumers some tips on how to manage their post-holiday debts.

Writing on MSNBC.com, Tisdale advises consumers carrying credit card debt to try to stick to cash and debit cards to keep better tabs on their spending. She also advises against incurring penalties by missing minimum monthly payment deadlines, and points out that cards with the highest interest rates should generally be paid off first.

"Or, pay off the card with the lowest balance first. It's very satisfying to pay off a debt in full. It can be a great motivator," she adds, going on to emphasize the importance of examining your spending habits to become more aware of what may lead you to overspend in the first place.

Elsewhere, Kathleen Splaine of the University of Delaware told WDEL radio that another tip consumers can consider is to eliminate two dollars in spending per day, with an eye on saving enough money to cover next year's holiday expenses.

Meanwhile, many consumers are still struggling in the short term to pay off holiday debts. If credit card deadlines are looming, one way to meet your short term financial needs could be to consider a payday loan.

-----------------------------------------------------------------------