TALKING TO ONE FINANCIAL COACH ON WHAT STEPS TO TAKE. AS WE COME OUT AS WE COME OUT OF THE HOLIDAYS, CREDIT CARD DEBT CAN BE A DAUNTING CHALLENGE FOR MANY AMERICANS. FINANCIAL COACH, HEATHER DAVIS, SAYS PEOPLE OFTEN SPEND MORE OVER THE HOLIDAYS THAN THEY INTEND TO...... AND WITH COVID, PEOPLE MAY NOT HAVE AS MUCH SAVINGS TO RELY ON AS IN PAST YEARS. DAVIS SAYS THERE ARE SOME STEPS YOU CAN TAKE TO MAKE THIS DEBT MORE MANAGEABLE, THE FIRST OF WHICH IS TO SIT DOWN AND LOOK AT THE NUMBERS. "But neglecting it or avoiding it, that's only going to make it grow.

And that's only gonna make it worse. So be brave, listed all out, look at your numbers, a lot of people aren't even aware of their totals, or they're not aware of interest rates, and that plays a big factor. And then kind of commit yourself to avoiding new debt.".