A7: My CreditBossLady app is my number one tool. It keeps everything organized, visible, and manageable, which makes staying consistent so much easier. #CreditChat

A2. This year, I went 43 days without a paycheck, bills paid, no travel canceled, no panic. If you know my story (foreclosure withing the 1st year for my first home), you know this is more than a win. It’s healing. It’s proof of growth. #creditchat #FinancialTestimony

A1b Motivation fades faster than New Year's resolutions at a pizza buffet. That's why I rely on automation (autopay, auto-transfers) instead. My money does the right thing even when I don't feel like being responsible. Lazy genius mode. #CreditChat #MoneyHabits #CreditChat

Q7. What tools or resources do you find most helpful for staying on track with your credit or financial goals throughout the year? #CreditChat

Q10. How do you stay motivated to maintain good financial habits once the excitement of the New Year fades? #CreditChat

Q9. How do you approach adjusting your financial goals if your situation changes during the year? #CreditChat

A10: These are the questions I always ask myself. #creditchat @experian https://t.co/fpXAGxNRXs

A9b I treat financial goals like GPS navigation. If life throws a detour (surprise car repair, anyone?), I recalculate the route. I don't throw my phone out the window and give up. I just find a new path to the same destination. #CreditChat #RealLife #CreditChat

A5a I'm motivated to help more people access free financial education and credit counseling. Financial literacy shouldn't be a luxury. When people understand credit, they can build wealth and opportunity. #FinancialLiteracy #CreditEducation #CreditChat

Q8. What habits or routines help you calm financial stress during this busy season and set a steady foundation for the New Year? #CreditChat

A10. 2025 taught me to be grateful on purpose. So 2026? I’m setting money goals rooted in ease, clarity, and impact. Not hustle. Not stress. Just intention. Increasing investments, more philanthropy. #creditchat #NewYearMoneyGoals

A4b Check your credit report like you're a detective investigating your own life. You might find surprise accounts (identity theft), old errors, or that gym membership you forgot about in 2019. Knowledge is power, people. #CreditChat #FinancialFitness #CreditChat

Thanks for including me in so many #creditchat panels in #2025, @Experian Hope to join you again in #2026. Find me at https://t.co/AAuKmGfjPU for answers to your real estate questions. Sign up for my Love, Money + Real Estate newsletter for the latest at https://t.co/fpXAGxNRXs.

A10: Will I remember this purchase in five years? If not, it's probably not worth buying. Make sure your big financial decisions align with long-term goals, not short-term wants. Deferred gratification works: Sleep on it for a week. #creditchat @experian

A8: I stay focused on time with family and friends. When you prioritize connection over spending, the pressure eases and the season feels lighter. #CreditChat

A3: One credit goal I’m setting for the New Year is to continue paying off all credit card debt in full every month. I never want to pay interest on credit card debt ever again. #creditchat

A4: I put this up in the #creditchat a few weeks ago, but it's really the best answer to how to think about spending money during the #holidays.

A1: I always say start when it’s on your mind. If you begin before the new year, you don’t carry extra debt into January. Nobody wants a January credit hangover. Starting now gives you momentum instead of regret. #CreditChat

A10. “Personal.” I have always believed that when it comes to personal finance, you have to get personal. Because no one will ever care more about your money than YOU do. So, do you brilliantly and have a very Happy Holiday season. #CreditChat