Bill shock post December festive season and January you see the credit card bill ????????????.
Here’s the tip how to resolve this issue.
Debt consolidation!

• The video discusses how people tend to overspend on their credit cards during the festive season, leading to credit card bill shock.
• It highlights the convenience of tap and go payments but warns about the lack of awareness of spending.
• The video suggests two solutions: doing a credit card transfer to a no-interest account and closing the current credit card, or consolidating debt into a home loan facility to improve cash flow.
• It advises creating a separate savings account to budget for future expenses during December.
• The video emphasizes the importance of avoiding financial mess and planning ahead to prevent credit card bill shock.

0:00 Intro

0.01 We do get a little bit carried away and 
statistically speaking in December people  

00:13 tend to spend 25% more on their credit cards it’s 
because of the festive season you get carried awayit’s a little bit silly and the big one is the tap and go it gets you all the time. If you’re not used to having cash in your wallet, I think cash hurts more emotionally to hand over and you can physically see what is being left and back in my time I’m a little bit older um I used to  

0:36 find that handing over $100 bill or $50 or $20 or whatever your note currency was at the time it used to be a little bit more physical HEY I’m letting go of this money and you could see it whereas now you tap and goes it’s on your mobile phones on the credit card tap tap tap

0:52.get a little bit carried away and you forget to check and by the time you do check it’s a little bit like holy **** whatever what’s happened so if this is a situation that you’re in you can either a try to do a credit card transfer into something that is no interest for a

01:15 certain period of time clear off the credit card. Start off fresh make sure that you close down your current credit card and you’re not getting two credit cards recycling because then it it’ll you know basically will have a financial mess and it’s a little bit harder to get out of.

01:33 that one the other thing that you could do is if you’ve got a home loan facility try and debt consolidate that all into the one facility so it just improves your cash flow and then for next time around make sure that you put a little bit of savings um in a separate account so then when December does come along you’ve got a clear budget of what you’re actually wanting to spend.

01:58 It doesn’t catch you out again January 2025 with another what we call it Bill shock round two so hopefully you found that useful if you got any questions feel free to give me a call happy to have a chat Laura Moya 

02:16 Local Mortgage Broker Melbourne

Laura Moya Local Mortgage Broker based in Melbourne covers the issue head on.

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