Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, Billy and Andrew tackle the all-too-familiar January reality: opening that credit card statement after the festive season. They share practical strategies for dealing with post-Christmas debt without shame, from conducting a quick 30-minute spending reset to cutting invisible aftershocks like forgotten subscriptions. You'll learn why paying off debt trumps preserving savings balances, how to triage expenses without raiding long-term investments, and the simple math behind building a December buffer.

Tune in to discover how to reset your systems, not just your willpower.

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Acknowledging overspending without shame or avoidance

• The 30-minute spending reset to categorize December/January expenses

• Cutting invisible aftershocks: subscriptions, deferred payments, and planned projects

• Why you should pay off credit card debt immediately, even from savings

• Triage before optimize: protecting long-term investments while clearing short-term debt

• Building a December buffer with small, consistent savings throughout the year

• Resetting financial systems instead of relying on willpower

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