Week 4 – Use Debt Responsibly

by Steve Georgoulakis, CFP® on Tuesday January 23, 2024
Posted in Category: Debt, Wallet Workouts

Wallet Workouts

Stay strong with your New Year’s resolutions!

Learn how to flex on your debt.

This week’s workout:

Use Debt Responsibly

  • Find financial balance and strength by using debt wisely. Like yoga – responsible debt management takes financial flexibility, consistency, and strength.
  • Start practicing these debt moves now to improve your credit reputation, save money, and reduce your financial stress.


Person rolling yoga mat

Move 1

Roll out your financial yoga mat and take note of all your debt balances, interest rates, minimum payments, and due dates.

Woman meditating

Move 2

Remain tranquil and contact your creditors. Ask about lowering interest rates, balance transfer options, and other ways to reduce interest costs.

Man and woman doing yoga

Move 3

Become one with your budget to unleash extra dollars to pay back debt.

Man doing yoga

Move 4

Stretch extra dollars wisely using the Debt Snowball or Debt Avalanche repayment strategy.


Man doing yoga

Move 5

Transcend your debt and become a Debt Destroyer®. This program will help you get out and stay out of debt.

Join us for 7 Wallet Workouts


Jan. 3 Have a Financial Game Plan

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Jan. 10 Spend Less than You Earn

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Jan. 17 Save for Emergencies

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Jan. 24 Use Debt Responsibly

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Jan. 31 Protect Your Life, Loved Ones & Possessions

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Feb. 7 Save and Invest for Your Future


Feb. 14 Rest & Recovery

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Feb. 21 Prepare Your Legal Documents

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The USAA Educational Foundation is a nonprofit, tax-exempt IRS 501(c)(3) and cannot endorse or promote any commercial supplier, product, or service. The content of this blog is intended for information purposes only and does not constitute legal, tax, or financial advice.