1. Stop kicking yourself. You’re not the first person to get irrationally exuberant during the holidays, and lots of people before you have managed to pick themselves up and set things straight. Know that you’re not alone and that others have endured similar challenges can help pull you out of it.
2. Prioritize and pay it down. If you find yourself staring down a heavy balance on one or more credit cards, the monthly finance charges might be painful enough. But if you’re only paying those each billing cycle, you’re just treading water. Try to pay down more than just the minimum every month or transfer and consolidate the debt to a single, low-interest credit card that will let you minimize paying interest and maximize paying down the principal debt. Once you’ve settled on a monthly payment you can manage, map out a schedule that leads steadily to a zero balance.
it’s been about three days and my little sore throat ache isn’t going away. 😓 I’m down to my last few cough drops so if anyone has tips to soothe a sore throat they’d be much appreciated! I’ve got an 8 hour shift today so I’ll be doing lots of talking. 😓😓😓