I spent too much at Christmas - how do I pay down my credit card debt?

Overwhelmed by post-holiday credit card debt? In this episode of the Ask Ralph Show, Ralph helps Kristen from Nevada, whose husband’s job loss left their family struggling financially. Ralph shares practical, faith-based strategies to tackle debt and regain stability. From creating a realistic budget to exploring ways to increase income, he emphasizes the importance of taking small, manageable steps. Alongside practical advice, Ralph highlights the role of prayer and celebrating progress to stay motivated. If you’re feeling buried by debt, this episode offers hope, encouragement, and a clear path toward financial freedom grounded in faith, smart planning, and actionable steps to pay down your credit card debt.

Read today’s blog article: https://www.askralphpodcast.com/blog/regain-financial-stability-christmas/

https://www.askralphpodcast.com/pay-down-my-credit-card/

Podcast Timestamps:
00:00 Episode Overview
01:52 Listener's Heartfelt Question
06:18 Bible Verse: Hebrews 13:5
07:03 Gratitude Statement
07:43 Henry's Debt-Free Journey
14:55 Debt Freedom Plan
27:35 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
27:50 Call to Action
33:07 Reflection Questions
33:54 Action Steps
35:21 Conclusion

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