With the holidays now in the past, many consumers will find themselves paying off the debts they ran up while shopping.

This week, the Los Angeles Times offered some tips on how consumers can pay down their holiday debts and keep themselves on the right financial track.

Among the tips were to put your credit cards "on ice," taking them out of your wallet until the debts are paid. Consumers are also advised to get an early start on next year's holiday budget as opposed to carrying their debt burdens year after year, and to pay down their highest interest cards first, as well as always meeting monthly minimums.

Consumer credit counseling services are also recommended for those having more trouble with personal debt.

The Palm Beach Post offered similar tips this week from the Association of Independent Consumer Credit Counseling Agencies. Along with the above pointers, consumers can also consider cutting spending on unnecessary luxuries and dining out, as well as finding a second income to help pay down their debts.

For those having trouble meeting their minimum payments and credit card due dates, payday loans can be an alternative to late fees.

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