If your credit card balance feels a little heavier after the holidays, you’re not alone. Between travel, gifts, and “just this once” purchases, it’s easy for balances to creep up.
The good news? February is the perfect time to reset.
Step one: Get clear, not discouraged
Avoiding your balances won’t make them disappear — but understanding them puts you back in control. Start by listing what you owe, the interest rates, and minimum payments. Seeing it all in one place helps turn stress into strategy.
Choose a payoff plan that works for you
There’s no one-size-fits-all approach, but two methods tend to work well:
- The snowball method: Pay off the smallest balance first for quick wins and motivation
- The avalanche method: Focus on the highest interest rate to save more over time
The best plan is the one you’ll stick with.
Look for ways to lower interest
Post-holiday debt doesn’t define your financial future. With a plan in place and consistent payments, it becomes just another step on your path toward financial stability.
Progress beats perfection — every single time.
Category: Credit & Budgeting
