What to do if you've overspent on your credit card this holiday season

Tip #1: Get rid of your credit cards
If you cut them up, then the debt can't grow more or grow back!

Tip #2: Decide to change
If you continue to do the same things and expect a different result = insanity.

Tip #3: Combat the guilt and shame
Give yourself some grace. We have ALL made mistakes.

**Increase income and decrease your expenses**
We tend to need a little of both. Think about asking for a raise, getting a second job, and cancelling multiple monthly subscriptions.

Tip #4: Use your savings
Do NOT pay interest on your credit card at a rate of 20% when you have the cash in your account to pay it off. It doesn't make sense.

Tip #5: Sell something
Did you get a gift from Christmas that you didn't really want or plan to use? Sell it. Take that money and pay off your smallest debt today!

Tip #6: Side hustle
Remember, a second job or side hustle is temporary. Maybe it's only for 30 or 90 days. It is not forever.

Tip #7: Take back gifts
Especially if you purchased one for yourself that you put on a credit card!

Tip #8: Set aside money systematically
Saving $100/month will give you $1,200 for Christmas when it comes next December

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Our goal at Ideal Life & Money Academy (ILMA) is to help you:
↪ gain confidence and certainty when it comes to handling your money wisely
↪ be part of our Active Community, filled with like-minded people who want to see you win
↪ define your Ideal Life
↪ become debt free (permanently)
↪ save more of your paycheck
↪ invest for your family's future
↪ find or create your ideal work

Some people will reach Financial Freedom without help, but it takes a lot of work and usually a long time - but if you could get there years or even decades faster without having to go through all of the pain of learning on your own, would you do it?

We believe everyone can live their Ideal Life and reach Financial Freedom, but we have been conditioned to think we can't create the life of our dreams. The Ideal Life & Money Academy is here to change that. ______________________________________
Come check us out to learn how you can give yourself a 10% raise (or more) without working more hours in the next 30-days, you've got nothing to lose and only your Ideal Life to gain! https://www.sentinelcoaching.com/raise