Bounce back after the holiday

Christmas and New Year’s Day came and went – time to get your money groove back. First, give yourself some grace. You might have gone over budget and overused your credit cards, but with the right game plan, you can potentially get your finances and credit score moving in the right direction.

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Post-holiday pulse check

Before you can get back to rebuilding your credit, review your finances to see what moved the needle backwards. Jot down total balances, minimum payments and credit cards with higher interest rates. Get a lay of the land so you make smarter money moves.

Exeter pointer: Tackle the bills with approaching due dates first. Avoid late fees as you continue your financial glow-up.

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Make strategic strides

With the right attitude and debt game plan, rebuilding your credit won’t be as daunting as you think. Draft a budget that fits your lifestyle and add a payoff method:

• Avalanche: Save big when you prioritize high-interest debts first.
• Snowball: Build momentum when you pay off small debts.
• Consolidation: Bundle and streamline your debts into one loan.

Money move reminder: Splitting your budget and payoff plan into clear, bite sized steps helps you stay consistent year-round.

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Stay ahead of the curve

Lock in those good habits and level up your payoff plan. Automate payments, track your progress and celebrate every win. The more you stick with it, the easier it gets and, before you know it, your credit score comeback will feel like second nature.

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_{Exeter Finance LLC is not a credit repair agency or licensed credit counselor. Exeter does not offer services to fix or improve credit scores. These tips are intended for general educational purposes and should not be construed as legal, financial, or credit repair advice.}