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HomeBlog DebtThis Holiday Season Treat Yourself to Debt Help and Advice
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This Holiday Season Treat Yourself to Debt Help and Advice

November 17, 2020 by National Debt Relief

Learn this holiday season how to treat yourself to debt help and advice

The holiday season is fast approaching; soon, you’ll be out shopping for gifts and getting ready to see family and friends. However, if you’re like millions of other Americans, you’ll probably be thinking about your debts a lot, too. Holidays are one of the peak times of the year to be stressed out about money and debt. It doesn’t have to be that way, however. Instead of letting your less-than-perfect financial situation get you down over the holidays, you could start thinking about how you’re going to get all your debts under control. Here’s some great debt help and advice you can use to get the holidays and the new year off to a great start.

Get Help

When it comes to improving your finances, you should never get it alone. This holiday season, go ahead and treat yourself by getting some debt help and advice from a financial advisor. Financial advisors can help you analyze your current situation and guide your decision-making as you attempt to get your debts under control. They could also give you great advice about retirement planning, as well as advice on how to put the money you’re making right now to good use. This type of advice doesn’t cost as much as you’d expect, either. So, instead of fretting over your credit card debt and the cost of airline tickets this holiday season, sit down with a financial advisor and talk about the best way to tackle your debts.

Set a Budget

The new year is right around the corner, so this is one of the best times to set a budget for yourself and get your finances under control. If you start making a budget now, you’ll be able to figure out how much money you have to spend over the holidays, as well as how to meet your financial goals in the new year. A new budget doesn’t have to be boring or complicated, either. There are several ways to make budgeting simple and effective and even a little bit fun. This will help you go into the holiday season with a sense of confidence, instead of the usual dread.

Get a Side Hustle

The holidays could be a great time to start a side hustle or a part-time job. Many stores and delivery businesses need extra help around this time of year. If you took a part-time job with one, you could mitigate the effects of holiday spending. A long-term side gig would be great for accelerating efforts to pay down your debts; it could also assist you with saving money for other goals, such as purchasing a new home or car. So, find a good holiday gig for the next month or two and read up on debt help and advice. Then, after the holidays are over, maybe driving for Uber or Lyft, or freelancing for Upwork, Fiverr, or some other online platform can be just what you need to improve your cash flow situation for the long-term.

Don’t Buy Junk

A somewhat counterintuitive piece of advice for the holidays is to ensure you buy high-quality items even if you have to pay a little bit more. When it comes to things you use every day, such as computers and mobile devices, appliances, shoes, etc., you should buy the highest quality items you can afford. While this may set you back a bit financially in the short term, higher quality items like these generally last longer, so you won’t have to replace them again soon. Additionally, owning a high-quality item that works well and has more functionality will likely give you additional satisfaction. Therefore, if you’re going to use the Christmas money you receive to buy a new dryer, make sure you buy a good one.

Keep Score

It’s a sad but true fact that most New Year’s resolutions end in failure. If you want any of your financial plans and goals to survive the holidays and into 2021, you’re going to need to hold yourself accountable. Make a list of everything you plan to accomplish during the new year somewhere and review it regularly to assess your progress. If you’re falling behind in efforts to accomplish key objectives, such as paying down debt, redouble your efforts and try to salvage the goal any way you can. You should also assess your budget routinely as well; doing so will keep you on track and help keep saving and investing on track. If you routinely assess your progress toward financial goals, you’ll have a better chance of achieving them by next year’s end.

Get the Right Debt Help and Advice

As the holidays approach, don’t let the thought of all that shopping and spending get you down. Instead, take the tips and advice offered here to heart, and use this crazy time at the end of the year to get your financial affairs in order. If you begin right now, you can start 2021 with a bang, and get yourself into the best financial shape of your life throughout the rest of the year.

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National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/24/2021 Charlotte: Before I begin, I have to let you know that our call may be recorded. Can you tell me, how did you first hear about our National Debt Relief? JOAN: Oh, I don't know. I don't remember. I don't know how I heard about it. Charlotte: What made you decide to work with them? JOAN: Well, obviously, I needed to consolidate my debt. Charlotte: Tell me about the service program that they provided you with. JOAN: Well, I'm not done. But for me, it’s costly. What I did not like about it was that they add on. They say it's going to be X amount of dollars. But then what they do is they say, “Oh, well, we found another creditor that you need to…” So that'll be at a different part of the month and I don't like staggered bills. If I'm gonna pay a bill, whether it's to the phone company, the insurance company, whatever it might be, I want to pay that bill once a month. That's the only drawback. Charlotte: So let me get this. Normally, they are collecting the bills upfront. And then they work to get them paid off at a different rate. So everything wasn't collected all at once, if that's what I'm hearing correctly. JOAN: No, no, no. Every month, money is taken out of your account. And they pay X amount of dollars. Like let's say you owe $5,000 with Citibank, $500 in Credit One, whatever. They work out a deal with them and then they say, “Well, you have to pay $350 a month.” And they'll pay $20 a month towards -- they give you like around about how long it's going to take. Two years, two and a half years. And then they work it out that way. Charlotte: Now, what did you think about your negotiator? JOAN: I don't know. I just called up. It's a completely different department. So when you call up to sign up, it's very different. I don't remember that. It's just that they collected all the information. It was easy for me. I didn't have to go through and find whatever bills I wanted to put in the debt relief. They did that. Charlotte: So say you have questions or concerns. How did you get your questions or concerns addressed? JOAN: I would just ask and they answered it. They're very helpful like that. They'll answer any questions you have. And if they don’t know, they will find out. Charlotte: So was there not a particular person that you spoke with? JOAN: No, you don’t have one person that you deal with that just handles your account. Once you do – they’re like headhunters. Until you sign up, you're going to have that one person and even other people calling. Once your name is out there, they're going to keep calling you. So, once you sign up, then it's whoever answers the phone. It’s customer service. Charlotte: How comfortable did you feel working with National Debt Relief through this process? JOAN: I felt very comfortable, very safe. I was not worried about anything. Charlotte: Is there anything about this process that you would have liked to seen handled differently? JOAN: Yes. The way the payments come out. I'd rather have them one instead of … Charlotte: Everywhere. JOAN: Right. Well, not everywhere. For the most part, the bulk of them were. But then if there's one here, one there, they don't just extend it to another payment. And then the payments change, like the payment amount. You could pay $20 for six months, and then all of a sudden, it's $80 for the next three months, so you really don't know. Charlotte: So if you have to rate this experience on a scale of one to five, five is you’d recommend to friends, one you're pretty dissatisfied… JOAN: No. I would definitely recommend it to a friend. Charlotte: How would you say working with National Debt Relief has impact your life? JOAN: Well, it did help until I hit a speed bump. I'm in the middle of a divorce and my husband closed our checking account, of course. But so far, as a matter of fact, that's why I thought you were calling. I have to postpone the next month, so hopefully, they'll be able to postpone it, because I've been postponing it for a few months. Charlotte: Would it be okay if I posted your comments as a review on our public website for National Debt Relief? Because you did give us some really good feedback. JOAN: Yes, but not using my name. Charlotte: Okay, I will make it anonymous for you. I will also send over a link so that you can have it as a record for yourself at jdola20@yahoo.com. JOAN: Yes, but do not put that public. Charlotte: Oh, no, no, no. That doesn't go public. Definitely. How would you say working with National Debt Relief has impact your life. JOAN: Well, really, it would have helped if I could have stayed on the program. Charlotte: We’re recorded.

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