Digging out of holiday debt  12:37 AM, Jan 8, 2013   |  
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Chances are it was a holiday season to remember and with the
help of credit cards, most of those wishes came true. But now is
the time of reckoning, those bills are rolling in.  And you are
not alone.  "The average person takes until May to pay off their
credit card debt," Financial planner Nicole
Middendorf explained.  We are at her office at Prosperwell
Financial to find out how to show people a way to dig out of
debt in the new year.  "You can't help yourself get in a better
financial situation unless you know where you are," she says
with a knowing smile.   Step 1:  Make a financial road map to
figure out everything you owe.  Middendorff says it is essential
you know exactly what your debt looks like and to whom you owe
the money. "So many times, people don't really want to know, "
she offered. This includes student loans, auto loans and
mortgages.  Begin this process by running a credit re