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Splurge season is over which means it's time to pay the debt we owe from gifts and trips from the holidays. If you consider financial freedom as one of your priorities for this year, here are some of Debbie's suggestions on how to use credit cards responsibly.

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Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.