Why We Need To Stop Demonizing Credit Card Debt + How To Pay Credit Cards Off Or Use Them Strategically

 
 

This post may contain affiliate links. Visit my disclaimer page for more info.

If you’re reading this, you likely currently have or have had credit card debt.

So how do we take action to mitigate risk and stop giving huge amounts of money to greedy credit card corporations?

Sami gets candid about her own experiences with credit card debt, why people find themselves drowning in it, and ways you can pay down that debt. She also explains the importance of credit scores, emergency funds, and getting your money mindset right before diving into using them strategically.

If you’re struggling with credit cards in any capacity, this episode is for you.

In this episode, Sami chats about:

  • Why people find themselves in credit card debt + why that debt has spiked in the last 3 years

  • How Sami’s family is jumping back into using credit cards strategically + healing financial trauma

  • The importance of credit scores and why they actually matter

  • How to pay off credit card debt and 3 proven strategies to mitigate credit card debt risk

  • Credit card balance transfers, travel hacking, points and rewards + more

SPONSOR(S):

MENTIONED IN THE EPISODE:

PAST EPISODES YOU’LL ENJOY:

ASSUL RESOURCES:

SHOW INFORMATION: A Sunny Side Up Life

A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.

CREDITS:

 
 
 

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes!
Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram. 

Listen to every episode...

what kind of support do you need?

WHO IS YOUR PODCAST HOST?

Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.

She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.

Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living.

She offers a jump start into budgeting a FREE 5-Day Challenge + a personalized experience with 1:1 Budget Coaching.

Follow Me For More Money Inspo

Instagram | YouTube | Podcast | Facebook | Pinterest

GET TO KNOW ME BETTER

Come follow my day-to-day life over on my Instagram Story

I recently watched the documentary, “Brandy Hellville,” (HBO) and let me tell you: it's eye opening. I'd love to know your thoughts on fast-fashion and thrifting in general. Is this something you are leaning more into as reporting lik
"We can stay up late, swapping womanly stories, and in the morning, I'm making a pit stop to Patty's house!" That's how the quote goes right? 🥞
Choo Choo, all aboard the hot mess express. 🚂 Okay, seriously though, I've been through *it* -- the struggle, the sleepless nights, the heart palpitations, the fear of the unknown (or my bank account). It's not fun and it's no way to live, which i
That's why you NEED to budget and be persistent when it comes to financial intentionality. It's just too easy for money to slip right out of your fingertips and into someone else's pockets. Little money moves add up to BIG savings in the same way l
No lies told. 🥝🍌🥕🍅
🚨NEW EPISODE: 🔟 Tips To Have A Frugal Summer Sami gives listeners easy-to-apply tips on how to have a frugal summer. In this episode, you’ll learn more about: ☀️ The magic of thrifting, garage sales, and buying second hand ☀️ Preparing for
"A Queen is never late; everyone else is simply early." - Queen Clarisse Renaldi, The Princess Diaries👑 I thought it was time for me to hop on this train... and while the "trend" may have passed, this still holds true. At the
𝐖𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐣𝐨𝐮𝐫𝐧𝐞𝐲? Here are 6️⃣ money areas you can focus on RIGHT NOW! 💪🏻 ☀️Pay debt using a debt payoff plan or prioritizing high interest debt ☀️Learn ab
YOU'RE NOT BAD WITH MONEY 🗣️🗣️🗣️ That's some mean stuff you're saying to yourself, girlfriend. And I am NOT here for it. The truth of the matter is... you're actually not "bad" with money. There are other factors that have caused emot
🚨NEW EPISODE: The Overlap Of Fitness & Finance: Overcoming Shame, Guilt + Judgement With @ChloePuffTraining Chloe Puff, pre and postnatal women’s fitness specialist and Sami’s personal trainer, joins the podcast to discuss how she
These statistics are understandable given the current state of our world. So what can we do about it? We need to be intentional about how we spend our money so we are able to *prioritize* saving money in a high yield savings account How? Try this
Budgeting doesn't have to be complicated. Keep it simple with these 5 categories:⁠ ⁠ • Bills⁠ // Anything with a due date • Spending⁠ // Expenses that vary in amount.⁠ ⁠• Debt⁠ // Anything that you owe to someone else.⁠ ⁠• Sinkin

Disclaimers: This show may contain affiliate links or links from our advertisers where we earn a commission or direct payment.
Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Read our full affiliate disclaimer here.

Sami Womack