Budgets for Badges

Credit Card Debt Is A Code 3 Emergency


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🚨 Spoiler alert: high interest isn’t a compliment. 🚨

In this episode of Budgets for Badges, we’re flipping on the lights and sirens for a true personal finance emergency: credit card debt. It starts with a swipe and ends with a 911 call to your wallet. If you’ve ever looked at your statement and wondered how dinner at Applebee’s turned into a monthly payment plan—this one's for you.

We’ll break down:

  • Why credit cards feel like backup units but act more like repeat offenders

  • The psychological trap of “points,” “rewards,” and other lies we tell ourselves

  • How to assess your current debt without spiraling into a full-blown existential crisis

  • Tactical ways to pay it off—without selling a kidney or working 47 overtime shifts

  • Preventative strategies so your credit card doesn’t ghost you right after payday

Because when it comes to high-interest debt, waiting until it’s “not that bad” is the financial equivalent of clearing a building solo. Don’t do it.

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Budgets for Badges: https://www.instagram.com/budgetsforbadges


Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach


Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn


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Budgets for BadgesBy Rebecca Jameson