Do you need motivation to pay off debt? Was one of your New Year’s resolutions to dump debt, but you’re not sure where to start?

I suggest joining the newly started Debt Movement for inspiration, support, and a information on how paying off debt.

What is the Debt Movement?

The debt movement is a push to help others pay off $10 million in debt in 90 days. Sounds impossible? I’m guessing this number will be much higher.


  • An opportunity to win a scholarship! Yep, $15K of scholarships for those who are actively paying off debt. Free money!
  • Support via FacebookTwitter, and Google+
  • Encouragement and community on the forums of the Debt Movement.
  • Find helpful information and articles on the Debt Movement blog and newsletter.

What are you waiting for? Join the Debt Movement and start your journey to beat debt. 

I’ve also written a series of articles on How to Pay Off Debt that will help you on your debt free journey. 

Do you need a cure for your overspending hangover? Credit

Do you need a cure for your overspending hangover? Credit JGlasen

Your head is pounding and eyesight blurry as you stumble out of bed towards the bathroom in case your queasy stomach decides to explode.

No, this isn’t a normal hangover due to imbibing on your family’s secret eggnog.

This is a full blown Christmas spending hangover.

Christmas Spending Hangover: The Symptoms

If you are like many this holiday season, you’ve spent too much on Christmas gifts and parties with money you really didn’t have.

You might have even charged it on high interest credit cards or opened up a new store credit card to get 10% off your purchase.

About right now your stomach may have that unwanted queasy feeling thinking,

How will I pay off my Christmas overspending binge?

Don’t worry–you’re not alone in your holiday overspending and there is a cure.

Christmas Spending Hangover: The Asprin

If you want to clear your head from overspending this holiday there is an aspirin that can help.

Hard work.

Yes, I know that that isn’t the cure you wanted to hear and you’re about to click away from this article, but stick with me a minute.

It will be worth it. Your relationships will benefit. Your stress level will decrease. Peace will abound.

How can this happen? Hard work.

Hopefully you can make a few sacrifices with your budget to get back on financial track and minimize your holiday spending binge.

For others this Christmas overspending may be a symptom of a lifestyle of overspending, debt, and lack of financial planning.

If that is you–start by reading and applying my How to Budget Like a Pro series and plan to avoid overspending next year.

Christmas Spending Hangover: Avoiding Next Year

If you’ve experienced a holiday spending hangover, I hope you’re motivated to avoid the headache again and have a debt free Christmas next year.

Use these tips to avoid overspending next Christmas and have a Christmas with no regrets:

Budget for Christmas each month. If you want to have Christmas money to spend in December, start saving in January.

Say you’d like to have $1,200 to spend on Christmas–you’ll just need to set aside $100 each month from your monthly budget. It really is that easy.

Plan your spending by using something like this awesome downloadable Christmas Budget form.

Buy less stuff for your kids next year. Try this as a Christmas gift idea for your kids next year

Buy something:

1) they need

2) they want

3) to wear

4) to read

I hope you find the aspirin for your Christmas overspending hangover and realize that a debt free Christmas is worth the hard work.

If you need financial help or have a question about debt and budgeting–I’m glad to help Email brent at ontargetcoach dot com

Wishing You a Merry Debt Free Christmas!

Debt Free Christmas

My fellow blogging friends have been hard working like little elves cranking out helpful advice this Christmas season. I’ve collected a few of the best articles I’ve found ranging from gifts ideas to Christmas financial advice.

I hope you find these articles helpful and enjoy the rest of the holiday season. Merry Christmas!


Credit Jonathan_W

Christmas Gifts Ideas


Credit Jonathan_W

The Meaning of Christmas

Christmas Financial Advice (2012)

Share the moments. Credit

Share the moments. Credit Kalexanderson

General Christmas Advice

Did you read or write an awesome Christmas related article I missed? I must not be in your Google+ Circle or follow your blog yet. Let’s be friends, so I can include you in my next roundup. Merry Christmas!

Route 66 Map

Cool sign on Route 66 on our recent move.
Rights Reserved

This past few weeks has been a whirlwind of say goodbyes, packing, driving 1,400 miles twice, moving, and fixing up our new living space.

I was rudely reminded on our trip of the power banks have over me and the need to inform banks when I leave the state and make unusual purchases–like $200 of diesel fuel in Arizona.

Moving Tip I Forgot: Inform Your Bank of Traveling

I recently wrote an article on moving tips, but learned a new moving tip on our recent trek.

After driving our 22 foot long Penske’s 50 gallon tank to empty in the middle of Arizona, it was time to fill up. I learned that you have to prepay for diesel fuel for large purchases. Afterwards, any unused funds are returned back to your debit or credit card.

I prepaid $200 and was instantly rejected and informed by the cashier to call my bank. I was shocked as this was the first time I’ve ever had any trouble with my account.

I called the number on the back of my ING Direct card promptly and started to jump through the security hoops in place to insure it was indeed myself who was calling.

Security Hold on Debit Card

I was handed off to a general customer service rep who informed me there has been a security hold on my account, but couldn’t tell me why. Really? I informed him I was moving and traveling through several states making large diesel purchases. He entered that in the system, but still informed me there was a security hold.

I was then handed off to a security specialist. He informed me I couldn’t use my card as it was on hold, but he’d do me a favor and lift the hold for a few minutes so I could get cash. Then he’d mail me new cards. Mail cards? 

This obviously wasn’t a logical solution since we still had many many more miles to go and needed access to our money for fuel, food, and hotels.

He asked, “Don’t you have other funds available?” I’m assuming he meant a credit card, but I haven’t used credit cards in years. My wife’s debit card had been put on security hold too, but she hadn’t even used her card while traveling.

“This is unacceptable!” I began. “I have been a saver since 2007…” I became a little upset with the ridiculous solutions proposed and was passed on to a manager.

Seems someone with brain was put on the line and explained that there was no reason for a security hold and she pushed the magic buttons. We had no further problems with our debit cards.

Lesson learned: Inform banks if you’re moving and making multiple purchases in various states in a short amount of time.

I can only hope this was a standard ING Direct response and not a new security policy with Capital One taking over. [This does make me skeptical of the ING Direct to Capital One 360 makeover.]

Has your debit or credit card been placed on a security hold while traveling or moving? Share your story below in the comments.