smart spending

7 money-related things to give thanks for

Careful consumers
Careful consumers © wavebreakmedia/Shutterstock.com

Another thing to be thankful for: Consumers are being more careful than in years past, Jones says.

"There's been an overall change in the mood of consumers," he says. Financially, "they're much more conservative."

As a result, default rates are down, he says. And his credit counseling agencies are seeing "people with a very different attitude.”

"That's been beneficial," Jones adds. "And it will continue to be beneficial."

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