Sixty-two percent of consumers say they have problems with spending as well as saving, according to a poll by the National Foundation for Credit Counseling.

"The good news is that having a problem with both spending and savings is actually just one problem: spending," says Gail Cunningham, spokeswoman for NFCC.  "The bad news is that overspending is often tied to deep-rooted behavior, making it very difficult to change."

According to a Gallup poll in December, consumers becoming more open to spending again when spending reached a four-year high. The National Retail Federation also estimates that Super Bowl spending likely hit $12.3 billion this year, which is nearly $70 per consumer for this single event.  In fact, 7.5 million households were projected to purchase a new TV for the Super Bowl, up from 5.1 million last year.