Don’t let your holiday debt haunt you in the new year. Here are three tips to help you stay afloat and pay down the debt you have accumulated!

Go on a cash diet. If you continue to live above your means while trying to pay down your debt load, your holiday debt will loom over you for even longer. Now that the holidays are behind you, give yourself a regular allowance and vow not to spend beyond that. This will help you stick to a budget and avoid creating more debt.

Consider a balance transfer. If you have more than one credit card carrying high balances, you may want to consider transferring your debt to one card. The longer you wait to pay off your outstanding debts, the more interest you will accumulate! Transferring your balances to a SeaComm Visa® Platinum will allow you to enjoy low everyday rates, no annual fees, and points earned with every purchase. Click here to learn more!

Get serious about debt repayment. You should commit to a debt repayment plan that allows you to pay more than the minimum toward your debt. That way, you can pay down you debt as quickly as possible and pay as little interest as possible.

You might already be pre-approved for a SeaComm Visa® Platinum or consolidation loan through LoanEngine™, our loan pre-approval program! SeaComm members who qualify for pre-approved loan offers can view them through the SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail. You have the ability to accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers. If you don’t have any offers at this time, be sure to check back every 60 days!