Now that the holiday season is over, Quality Credit Repair—one of the best debt counseling agencies around—encourages everyone to practice smart spending habits in 2017. After spending big bucks on gifts, food, decorations and parties throughout the past few weeks, right now is the best time of the year for people to plan an organized, strategic approach towards handling their finances. While the holiday season is always a festive time of the year, smart spending decisions are essential to anyone's financial future, and especially their credit score.