As we wrap up 2014 and head to the New Year, economic conditions for consumers are looking pretty bright and will continue to strengthen into 2015. That's according to a new report from WalletHub.com, which offers a few consumer-friendly predictions for next year. First, they say the economy will grow by 3%, while unemployment will dip to 5%, compared to its current rate of 5.8%. And for stocks, they say the broad S&P 500 will hit 2,250, which is 10% higher than what it's trading at now. Plus, oil prices will dip to $50 per barrel, compared to its current price of $55. Low oil prices are a huge benefit to consumers, which bolsters their spending power. But even with more money from lower gas prices, WalletHub still says Americans will rack up $60 billion in credit card debt over the next year. MainStreet's Scott Gamm shares more details on the report and tips for consumers on staying out of credit card debt.