If you racked up a hefty credit card bill during the holidays, the Credit Counseling Society has some advice for you.

Scott Hanna, CEO of the society says if you want to get rid of your debt, you should set aside a realistic and long term plan.

Hanna says even if you’re in debt, it’s important to develop a savings habit. He says it’s better to have savings on hand to deal with unexpected expenses throughout the year rather than relying on credit again.