When It Comes to Debt, Most Big Decisions Are Made in January

📆 Why January Is Decision Month

The holidays are over, credit card bills are rolling in and everyone’s making resolutions they hope they’ll actually stick to this time. January isn’t just about gyms and diet plans, it’s the biggest month for financial resets. This is when smart homeowners reassess their debt, review their monthly obligations, and ask: “What needs to change so we’re not in the same place next December?”

💳 High-Interest Debt Doesn’t Belong in a New Year Budget

If you’re starting the year with:- $25K+ in credit card debt- A car loan or personal line of credit- Less than $500 left over at the end of each month…you’ve got a cashflow problem. Rolling this debt into your mortgage through a refinance can slash your monthly payments and create room to breathe.

🏡 January Resets Aren’t Just for Budgeting

It’s also when mortgage agents, financial advisors, and accountants start helping clients map out their year. If you’ve got equity in your home, and you're carrying high-interest debt, this is your sign to take action now — before the RRSP season fog and tax prep chaos starts.

📞 Ready to Rebuild Your Cashflow?

Book a 15-minute strategy call. You’ll walk away with:- A clear picture of what’s eating your monthly cashflow- A plan to restructure debt into your mortgage- A breakdown of savings over the next 12 months👉 Book Your Call Here

If you want 2026 to feel different than 2025, it starts with how you treat January. This is your month to act. This is your year to build. Let’s reset your numbers.