{"id":40535,"date":"2025-09-24T11:24:09","date_gmt":"2025-09-24T11:24:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/40535\/"},"modified":"2025-09-24T11:24:09","modified_gmt":"2025-09-24T11:24:09","slug":"ask-a-money-coach-im-heavily-in-debt-and-already-dreading-christmas-how-do-i-tell-my-family-we-have-to-rein-in-our-spending-this-year","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/40535\/","title":{"rendered":"Ask a money coach: \u2018I\u2019m heavily in debt and already dreading Christmas. How do I tell my family we have to rein in our spending this year?\u2019"},"content":{"rendered":"<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-91174671_secondary indo-1d70522a_marginbottom4 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop4\" style=\"color:var(--color-primary-80)\" data-testid=\"title-summary\">I want to get prepared ahead of the festive season, but it seems impossible when there are debts that need repaying\n<\/p>\n<p><img decoding=\"async\" alt=\"With the Christmas lights and decorations upon us by November, then Black Friday and Cyber Monday, it can be all too much.\" src=\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2025\/09\/feb3e5c4-7d43-40ce-be23-beeb63c8590a.jpg\" loading=\"eager\" width=\"100%\" data-testid=\"article-image\"  \/><\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_caption1 indo-300db776_none indo-91174671_secondary indo-66f0fec7_regular indo-1d70522a_marginbottom0 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop3 indo-b48c4984_left\" style=\"color:var(--color-grey-60)\">With the Christmas lights and decorations upon us by November, then Black Friday and Cyber Monday, it can be all too much.<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">I know it might seem early to be asking, but I usually try to get prepared for the expensive Christmas season ahead of time, and this year it\u2019s feeling impossible. Between credit cards for end-of-the-month spending and loans for both our family car and a holiday in the summer, I have managed to accrue a fair amount of debt over the last year or two.<\/p>\n","protected":false},"excerpt":{"rendered":"I want to get prepared ahead of the festive season, but it seems impossible when there are debts&hellip;\n","protected":false},"author":2,"featured_media":40536,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[9484,30756,72,30757,61,60,3362],"class_list":["post-40535","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business","tag-christmas","tag-black-friday","tag-business","tag-cyber-monday","tag-ie","tag-ireland","tag-money-experts"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/40535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=40535"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/40535\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/40536"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=40535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=40535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=40535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}