Hey, you guys. So a recent survey found that 28% of credit card users are still paying debt off from last Christmas.

Yep, those are still carrying their balance from Christmas of 2023. Now, I know the holidays,

it can come with a lot of stress and expectations, but whether you're stuck with maybe some Christmas debt or maybe you're just

craving a new start here in the new year, I want to share three simple steps to get rid of debt

fast and avoid being part of that statistic in the future. Okay, before we dive in, make sure to subscribe and send this episode to a friend.

All right, first, I want to talk to those of you who are currently in this boat of credit

card debt.

Listen, do not beat yourself up, okay?

I mean, I think it can be easy to get caught in this, like, shame spiral of like, oh, my gosh,

I can't believe I did this this or we did spend too much. Now I'm regretting it. Whatever it may be, you're okay.

You are okay. People that have credit card debt can pay it off. I'm telling you, you can do

something different. And if you're not happy with where you are financially, that change can

occur. I'm telling you that, you know, I talk to so

many people and they decide that they become someone completely different when it comes to their

money and they get different outcomes. And Christmas and the holidays, it is a stressful time. So you are

not the only one racking up credit card debt. And a lot of people don't have a lot of margin either

when it comes to their money. So going into credit card debt for a lot of people don't have a lot of margin either when it comes to their money. So

going into credit card debt for a lot of people, that is their reality. It's what happened. So

just want to give you some encouragement. You can do something different if you don't like where you

were. All right. Let's talk about how to get out of debt. So if your pain is greater than the

inconvenience of changing your habits, that's where you're going to see change. Yeah, they're kind of numb to it. Again, they run some numbers, do some calculations,

and they're just kind of like, yeah, we're fine. So if that's you, there's probably not going to be a lot of change. But if you find yourself realizing, oh my gosh, we are paying so much

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