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Taking Control of Debt After the Holidays: Expert Tips from Sarah Hall, Belfair Branch Manager
The holiday season often brings joy, family gatherings, and giving—but it can also come with extra spending that leaves many feeling financially stretched. When the bills start rolling in, it’s common for people to realize they’ve spent more than they can comfortably afford. That’s where debt consolidation can make a real difference. Sarah Hall, Belfair Branch Manager and valued member of the Kitsap Credit Union team for almost eight years, shares insights on how members can regain control of their finances and start the year on solid footing.
“Debt consolidation is the process of bringing multiple payments together to either reduce interest rates, monthly payments, or both,” Sarah explains. “It’s especially helpful for members who are trying to pay down debt faster and save money along the way. In some cases, it can even help stop the cycle of living paycheck to paycheck if monthly payments can be reduced.”
Many people start thinking about debt consolidation right after the holidays, when the reality of overspending hits. Sarah notes, “The holidays can put a lot of pressure on people to spend more than they need to, sometimes on things they really can’t afford. Once the season is over and bills start coming in, that’s when members often realize they’re in over their heads and need a plan.”
When it comes to deciding if debt consolidation is the right choice, Sarah says the best first step is conversation. “Most people already know what they owe and to whom. We start by listing out each account and the monthly payments, then do a simple calculation to see if a consolidation approach could help. Pulling credit gives us more precise numbers, but we can learn a lot just by talking with our members.”
Kitsap Credit Union offers a range of debt consolidation options, from smaller personal loans to larger solutions like home equity loans. Sarah emphasizes that not all lenders are created equal. “There are predatory companies out there that charge high rates and make matters worse. At KCU, we have competitive rates and a team that truly wants to help members improve their financial situation.”
One piece of advice Sarah gives for anyone ready to take action? “Set up a Financial Wellness review. It’s a simple, no-commitment appointment in-branch where we can dig into your unique situation, explore your options, and identify the best path forward. It’s really the first step to taking control of your debt and your financial future.”
By starting the year with a plan, members can reduce stress, save money, and make tangible progress toward financial stability. Schedule your Financial Wellness appointment today and take the first step toward a more manageable, empowered financial life.
Insured by NCUA and Equal Housing Opportunity.
“Debt consolidation is the process of bringing multiple payments together to either reduce interest rates, monthly payments, or both,” Sarah explains. “It’s especially helpful for members who are trying to pay down debt faster and save money along the way. In some cases, it can even help stop the cycle of living paycheck to paycheck if monthly payments can be reduced.”
Many people start thinking about debt consolidation right after the holidays, when the reality of overspending hits. Sarah notes, “The holidays can put a lot of pressure on people to spend more than they need to, sometimes on things they really can’t afford. Once the season is over and bills start coming in, that’s when members often realize they’re in over their heads and need a plan.”
When it comes to deciding if debt consolidation is the right choice, Sarah says the best first step is conversation. “Most people already know what they owe and to whom. We start by listing out each account and the monthly payments, then do a simple calculation to see if a consolidation approach could help. Pulling credit gives us more precise numbers, but we can learn a lot just by talking with our members.”
Kitsap Credit Union offers a range of debt consolidation options, from smaller personal loans to larger solutions like home equity loans. Sarah emphasizes that not all lenders are created equal. “There are predatory companies out there that charge high rates and make matters worse. At KCU, we have competitive rates and a team that truly wants to help members improve their financial situation.”
One piece of advice Sarah gives for anyone ready to take action? “Set up a Financial Wellness review. It’s a simple, no-commitment appointment in-branch where we can dig into your unique situation, explore your options, and identify the best path forward. It’s really the first step to taking control of your debt and your financial future.”
By starting the year with a plan, members can reduce stress, save money, and make tangible progress toward financial stability. Schedule your Financial Wellness appointment today and take the first step toward a more manageable, empowered financial life.
Insured by NCUA and Equal Housing Opportunity.
January 21, 2026