Post-Holiday Damage Control: Smart Ways to Recover From Seasonal Spending 

Join our weekly #CreditChat, launched in 2012 to help our community strengthen their understanding of credit and key personal finance topics such as saving, managing debt, and building healthier credit scores. Hosted by @Experian on X (formerly Twitter), the conversation is open to everyone—feel free to DM us with any questions.

This week’s #CreditChat, Post-Holiday Damage Control: Smart Ways to Recover From Seasonal Spending, focuses on practical, judgment-free strategies for getting back on track after the holidays. We’ll explore how to evaluate spending, rebalance budgets, manage debt, and protect credit health,while also addressing the emotional side of post-holiday finances. Whether you’re course-correcting now or planning ahead for next year, this conversation offers actionable insights and supportive resources..

Topic:  Post-Holiday Damage Control: Smart Ways to Recover From Seasonal Spending 

When: Wednesday, January 14, 2026

Where:Join thelive hashtag discussion

The panel will include: Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of JeanneKelly.net; Felicity Watts: Author at American Consumer Credit Counseling; Anthony Weaver: Founder of AboutThatWallet.com; Robin Palmer: University of Arizona’s Take Charge Today Financial Literacy Program;  Chloe Moore, CFP®: Founder of Financial Staples;  Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.

Questions we will discuss:

1. How can people assess the true impact of their holiday spending without feeling overwhelmed or discouraged? 
2. How can individuals prioritize which debts to tackle first when multiple accounts were used for holiday purchases? 
3. What are some practical ways to cut expenses in January and February to rebalance holiday overspending? 
4. What are some sustainable ways people can accelerate debt repayment without creating added financial stress? 
5. How can individuals protect their credit health even if they’re dealing with temporary financial strain? 
6. What tools or methods do you find most effective for helping people understand and modify their spending habits after the holidays? 
7. How can post-holiday spending impact a person’s credit, and what steps can help safeguard or improve credit health going forward? 
8. What kinds of professional or community resources can help people regain control after a costly holiday season? 
9. What approaches can help individuals process their feelings about holiday spending in a healthy and constructive way? 
10. Looking ahead, what planning strategies help people prepare for next year’s holiday expenses without relying on credit?

Check out our complete list ofupcoming personal finance Twitter chats here.