How To Get Rid of Holiday Debt
Hopefully you didn’t go into debt over the holidays. But if you did, getting the mail can be a real downer. So now what? To start with, don’t go into denial and keep charging. Take a deep breath, put away your credit cards and pay cash. Next, figure out a payment plan and stick to it. Then, focus on the positives of your plan. Being debt-free will give you peace of mind to enjoy what the New Year will bring. And while you’re at it, save a little each month so your next Christmas is debt-free. Start with these 60 seconds to debt free living. For more tips, check out Dave Ramsey’s 7 debt reduction baby steps.