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Avoiding Credit Card Debt in a Hard Season: Budget Help, Side Hustles, and Real Wins | 562
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Budget besties… this one is GOOD.
We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions!
Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything.
💛 When You’re Trying to Stay Debt-Free in a Hard Season
Michelle shared the story of one of our longtime office hours friends:
- Hard-working mama
- Supporting her husband’s startup
- Raising kids (including one who needs extra care)
- Watching savings slowly shrink
- Determined not to go back to credit cards
She was weighing:
- 401(k) loan
- Business loan
- Personal loan
- Side hustles
- Anything to avoid high-interest debt
And instead of spiraling alone?
She brought it to office hours.
What happened next is why we love this community so much:
- Other budget besties jumped in with creative, realistic ideas
- Side hustle suggestions tailored to her actual skills (art lessons, tutoring, laundry service, pet sitting)
- Honest discussion about risks of retirement loans
- Encouragement to protect their debt-free progress
No “finance bro” advice.
No shame.
Just real women saying: We see you. Let’s think this through together.
That’s what office hours is for.
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching
This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
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