The Hard Truth About Holiday Spending You Don’t Want to Hear

Overdraft fees in January? Maxed-out cards by New Year’s? In this episode, we lay out a clear, mom-proof plan to protect your credit score during the holidays, so you start the year as a credit success, not a credit mess. Perfect for busy moms, entrepreneurs, and anyone craving presence over presents. What You’ll Learn: → The simple “credit check before checkout” ritual (and how to set your own holiday credit limit) → Smart ways to track utilization so your score doesn’t cliff-dive in December → Weekly autopay + statement-cycle hacks that lower stress (and interest) → How to use secured cards and authorized-user status to build/rebuild credit → The one ninja move: remove cards from Amazon/Target/Apple Pay to kill impulse buys → Dispute & repair basics: goodwill adjustments, pay-for-delete, and error clean-up → Sinking funds for gifts/travel/food/giving, so generosity doesn’t become debt → Presence over presents: memory-based gifting ideas that still feel special If this helped, subscribe, rate, and review Moms Makin’ Dough 💛 Learn more about Kendra Hewitt by visiting the following links: Website Facebook Instagram: httpsIdentifying Your Money Blueprint - Free Download Learn more about your ad choices. Visit megaphone.fm/adchoices