The problem is, some people have problems with money. These money problems are especially evident during the holidays when seasonal expenses strain personal finances.

To help remedy this, money management experts urge people to control holiday spending by keeping a budget and shop carefully to get the best price. Experts suggest borrowing only when the benefits of doing so are worth the cost for the credit card and loan payments that come "after" the holidays.

Here is a list of "warning signs," along with recommendations, to assist people experiencing money and credit problems.

Financial warning signs include:

-- Juggling payments (delaying one bill to pay another)

-- Running out of money at the end of the month

-- Using cash advances for daily living

-- Having trouble building a savings account

-- Making minimum payments on revolving accounts

-- Dipping into savings to meet routine expenses

-- Having difficulty estimating how much you owe

-- Paying bills consistently late or not having a consistent income

Financial experts say any one or a combination of these signs may mean there are serious credit and holiday spending problems.

"The key to resolving or preventing credit problems is to notify creditors and seek financial counseling assistance as soon as possible," a financial expert said.

Involuntary collection should always be the last resort.