{"id":23469,"date":"2016-07-07T17:01:54","date_gmt":"2016-07-07T17:01:54","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=23469"},"modified":"2025-01-26T21:17:58","modified_gmt":"2025-01-27T05:17:58","slug":"how-to-deal-with-credit-card-debt-advice-from-last-years-self","status":"publish","type":"post","link":"https:\/\/nomoredebts.org\/blog\/credit-cards\/how-to-deal-with-credit-card-debt-advice-from-last-years-self","title":{"rendered":"Dealing with Credit Card Debt, Advice from Last Year\u2019s Self-Pay It Off"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; top_divider_style=&#8221;curve2&#8243; top_divider_color=&#8221;#e7dff3&#8243; top_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#5b25af&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1>How to Deal with Credit Card Debt \u2013 Advice from Last Year\u2019s Self<\/h1>\n<p><em>By Julie Jaggernath<\/em><\/p>\n<p>Have you ever made a conscious effort to <a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">pay down credit card debt<\/a>, only to abandon your resolve because the balances never seem to budge in the right direction? Maybe you\u2019re frustrated because you\u2019ve done your best to make extra payments and to hardly use the cards at all, but you still owe as much as you did before.<\/p>\n<p><img decoding=\"async\" title=\"Advice from your last year's self - look back at how you managed money, credit &amp; debt. Learn from your mistakes.\" style=\"width: 300px; height: 200px; margin-right: 10px; margin-left: 10px; float: right;\" alt=\"Advice from last year's self - look back at how you managed money, credit &amp; debt. Learn from your mistakes.\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/learn-from-your-past-self-look-in-rear-view-mirror_feature_blog.jpg\" \/>When faced with such a situation, a lot people start getting discouraged. They look back at old statements or stacks of receipts, only to see long forgotten purchases with hardly any \u201cstuff\u201d to show for all the money they spent. Looking back, some people even realize that they still owe holiday debt from Christmas last year.<\/p>\n<h2>Why Looking Back at Old Credit Card Bills &amp; Receipts is a Good Idea<\/h2>\n<p>With the benefit of 20\/20 hindsight, it\u2019s amazing how much differently we view our choices! And it\u2019s these new-found insights that can hold the secrets to getting back on track. While credit cards afford us a certain amount of convenience, the delay between buying an item or paying for a service and later receiving the bill can make our spending a distant memory.<\/p>\n<p><em>July means that it\u2019s <strong>halfway to Christmas<\/strong> and a good time to get some advice from last year\u2019s self.<\/em><\/p>\n<p>Before we go any further, jot down the first thoughts that came to your mind when you <a href=\"https:\/\/mymoneycoach.ca\/blog\/throwback-thursday-tbt-financial-picture-paying-off-debt.html\" target=\"_blank\" rel=\"noopener noreferrer\">realized that you still haven\u2019t paid off<\/a> last Christmas. It\u2019s these ideas and feelings that will help you create a plan to avoid another trip down memory lane.<\/p>\n<h2>Christmas Past \u2013 What Can You Learn from Last Year\u2019s Spending?<\/h2>\n<p>Most people don\u2019t set a <a href=\"https:\/\/mymoneycoach.ca\/spending-money\/holiday-spending\" target=\"_blank\" rel=\"noopener noreferrer\">budget for their Christmas and holiday spending<\/a>. Then they shop based on their available credit limits or during a last minute rush and end up with credit card debt they can\u2019t afford to pay off. Go back to your previous fall and winter statements and look at all of your purchases. Ask yourself:<\/p>\n<ul>\n<li>Did you have a plan or did you just buy whatever was available and what seemed like a good gift?<\/li>\n<li>Which stores or online retailers did you buy from most often?<\/li>\n<li>When did you do most of your spending, e.g. before the holiday season got into full swing, throughout the fall and winter, or all at the last minute?<\/li>\n<li>Did you <a href=\"https:\/\/mymoneycoach.ca\/spending-money\/how-to-avoid-control-impulse-shopping-spending-buying\" target=\"_blank\" rel=\"noopener noreferrer\">spend impulsively<\/a> on gifts for yourself?<\/li>\n<li>Did you buy a number of big ticket items or spend a lot on travel? Maybe lots of small purchases added up?<\/li>\n<li>Did you spend a lot on entertainment, either to attend functions, to stop by open-houses or to have friends in?<\/li>\n<\/ul>\n<h2>Christmas Present \u2013 Start Planning for Christmas in July<\/h2>\n<p>If you <a href=\"https:\/\/mymoneycoach.ca\/blog\/how-to-start-planning-for-christmas-in-july-avoid-financial-problems-with-large-unexpected-expenses\" target=\"_blank\" rel=\"noopener noreferrer\">started planning for Christmas in July<\/a>, what could you do differently so that you don\u2019t repeat bad habits or expensive spending patterns this year? For instance, could you:<\/p>\n<ul>\n<li>Spread the gift buying out over the next several months (e.g. tech and young adult gifts often go on sale during the back-to-school time)<\/li>\n<li>Make a list, check it twice and stick to it (e.g. use an app on your phone so that you always have your list with you)<\/li>\n<li>Make some gifts (by starting now you\u2019ve got time) or put <a href=\"https:\/\/mymoneycoach.ca\/spending-money\/shopping-spending\/gifts-impulse-spending\" target=\"_blank\" rel=\"noopener noreferrer\">alternative gift ideas<\/a> into motion (e.g. a subscription, annual pass or monetary contribution)<\/li>\n<li>Shop around for travel deals or someone to share travel expenses with<\/li>\n<li>Buy festive clothing now (shop after grad and wedding season sales)<\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/blog\/special-events\/canadians-dont-save-up-for-holiday-christmas-shopping-set-goals-budget-pay-off-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Save a monthly amount towards your holiday shopping<\/a><\/li>\n<\/ul>\n<p><strong>Start Meal Planning Early<\/strong><\/p>\n<p>If much of your spending involves hosting the main meal, consider buying canned and specialty preserves around Thanksgiving in October. Ask if others would be willing to bring a dish or supply the dessert. By planning and shopping early you can manage the expense of the meal better. If you\u2019ll be asking others to contribute, they\u2019ve also got time to think about and plan for what they\u2019d like to bring.<\/p>\n<h2>Create New Traditions That Help Avoid Debt<\/h2>\n<p>Everyone enjoys different Christmas and holiday season traditions. However, when looking back and reflecting on what means the most to you, friends and family rather than gifts likely top the list. Now, well before the holiday season, is a great time to talk to family and friends about how you can all still enjoy what you cherish most, while leaving the expensive parts behind.<\/p>\n<p>When it comes to gifts, things to talk about include:<\/p>\n<ul>\n<li>Organizing a gift exchange<\/li>\n<li>Setting spending limits<\/li>\n<li>Only buying for the kids<\/li>\n<li>Drawing names<\/li>\n<li>Making hostess gifts or avoiding them altogether<\/li>\n<li>Ordering with credit card reward points<\/li>\n<\/ul>\n<p>By talking about it now, well before the holidays, everyone can have their say and together you can <a href=\"https:\/\/mymoneycoach.ca\/spending-money\/holiday-spending\/how-to-create-holiday-spending-plan\" target=\"_blank\" rel=\"noopener noreferrer\">come up with a plan for this year<\/a>.<\/p>\n<p><strong>What If Others Don\u2019t Want to Budget &amp; Plan for Christmas So Early?<\/strong><\/p>\n<p>In the unlikely event that you\u2019re the only one who wants to <a href=\"https:\/\/mymoneycoach.ca\/blog\/budget-plan-for-Christmas.html\" target=\"_blank\" rel=\"noopener noreferrer\">budget and plan for Christmas and holiday spending<\/a>, let everyone know your plan. This will help you manage their expectations and avoid disappointments all around.<\/p>\n<h2>Christmas Future \u2013 You Know It\u2019s Coming<\/h2>\n<p>For some people it\u2019s easier to plan what to spend on a car purchase or bigger vacation (where we control the timing and situation), than on Christmas and the holidays (which roll around whether we\u2019re ready for them or not).\u00a0 Ask yourself why that is. Any significant expense requires careful consideration and planning. Christmas and the holidays should be no different.<\/p>\n<p>Credit card debt and bills make for terrible holiday memories but serve as great reminders of what we don\u2019t want to do. Use this opportunity to ensure you don\u2019t repeat your mistakes. Incorporate learning new <a href=\"https:\/\/mymoneycoach.ca\/blog\/how-to-save-money-plan-ahead-pay-off-debt-for-christmas-shopping-holiday-spending-new-years-resolutions.html\" target=\"_blank\" rel=\"noopener noreferrer\">money management<\/a> skills into your daily routine by <a href=\"https:\/\/mymoneycoach.ca\/blog\/expense-tracker-solve-budget-planning-problems.html\" target=\"_blank\" rel=\"noopener noreferrer\">tracking what you spend<\/a>, <a href=\"https:\/\/mymoneycoach.ca\/budgeting\/budgeting-guidelines\" target=\"_blank\" rel=\"noopener noreferrer\">creating a realistic household budget<\/a> (that includes saving for gifts and special occasions), and <a href=\"https:\/\/mymoneycoach.ca\/budgeting\/loans-debt-credit\/get-out-and-stay-out-of-debt\" target=\"_blank\" rel=\"noopener noreferrer\">paying down your debts<\/a>.<\/p>\n<h3><strong>Paying Off Credit Card Debt When We\u2019re Halfway to Christmas<\/strong><\/h3>\n<p>In July, we\u2019re halfway to Christmas and if you\u2019re still struggling to <a href=\"https:\/\/nomoredebts.org\/debt-help\/get-out-of-debt\/how-to-pay-off-credit-card-debt\" target=\"_blank\" rel=\"noopener\">pay off credit card debt<\/a> from Christmas past, stop letting it haunt you. Instead, let this time of year remind you that the holidays are about making memories, not mountains of debt. Take steps to deal with your debts, and if you need help, we\u2019re just a <a href=\"https:\/\/nomoredebts.org\/contact-us\">phone call or click <\/a>away.<\/p>\nLast Updated on January 26, 2025 \n<p><strong>Related articles:<\/strong><\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">12 of the Fastest Ways to Get Out of Debt<\/a><\/p>\n<p><a href=\"https:\/\/mymoneycoach.ca\/blog\/paying-for-Christmas-with-credit-avoiding-debt.html\">How to Avoid Christmas &amp; Holiday Debt<\/a><\/p>\n<p><a href=\"https:\/\/mymoneycoach.ca\/blog\/personal-finance-tips-people-wish-they-knew-when-younger\">5 Personal Finance Tips Most People Wish They\u2019d Known When They Were Younger<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/nomoredebts.org\/blog\">&lt;&lt; Back to the main Blog page<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking back at Christmas &#038; holiday spending, can you plan, budget &#038; save better to avoid credit card debt? Start now: it\u2019s halfway to Christmas in July.<\/p>\n","protected":false},"author":3,"featured_media":24471,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"1080","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[113],"tags":[],"class_list":["post-23469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dealing with Credit Card Debt, Advice from Last Year\u2019s Self-Pay It Off<\/title>\n<meta name=\"description\" content=\"Looking back at Christmas &amp; holiday spending, can you plan, budget &amp; save better to avoid credit card debt? Start now: it\u2019s halfway to Christmas in July.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nomoredebts.org\/blog\/credit-cards\/how-to-deal-with-credit-card-debt-advice-from-last-years-self\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dealing with Credit Card Debt, Advice from Last Year\u2019s Self-Pay It Off\" \/>\n<meta property=\"og:description\" content=\"Looking back at Christmas &amp; holiday spending, can you plan, budget &amp; save better to avoid credit card debt? Start now: it\u2019s halfway to Christmas in July.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nomoredebts.org\/blog\/credit-cards\/how-to-deal-with-credit-card-debt-advice-from-last-years-self\" \/>\n<meta property=\"og:site_name\" content=\"Credit Counselling Society\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/nomoredebts\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-07T17:01:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-27T05:17:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/learn-from-your-past-self-look-in-rear-view-mirror_feature_blog.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"284\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Josh Hunt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CrdtCounselSoc\" \/>\n<meta name=\"twitter:site\" content=\"@CrdtCounselSoc\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Josh Hunt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Dealing with Credit Card Debt, Advice from Last Year\u2019s Self-Pay It Off","description":"Looking back at Christmas & holiday spending, can you plan, budget & save better to avoid credit card debt? 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