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After the holidays: Hardcore ways to get your budget back on track

Freedom Debt Relief issued practical recovery steps for consumers who overspent during the holidays, with guidance reviewed and distributed by Stacker urging readers to focus on immediate actions.
Holiday spending often builds up faster than people expect as costs from gifts, gatherings and seasonal events accumulate, and holiday loans typically extend repayment beyond one year for consumers.
A No-Spend Month challenge can force a reset by limiting nonessential purchases, while deleting saved payment methods and retailer mobile apps adds friction and unsubscribing from marketing emails reduces temptation; automating savings to a holiday savings account builds a buffer.
Freedom Debt Relief recommends setting goals like breaking a $7,800 credit-card balance into $650 monthly payments or supplementing income by $100 a month to speed repayment.
Outline a realistic holiday budget for next year and calculate monthly savings, set aside money throughout the year, and use DIY gifts to reduce costs and build an emergency savings fund.

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After the holidays: Hardcore ways to get your budget back on track

Freedom Debt Relief reports post-holiday tips to regain budget control, including a no-spend month, reducing shopping barriers, and revisiting financial goals.

1 day ago

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