Recap from Jeanne Kelly | Guest Panelist on Experian #CreditChat | Sept 17, 2025
This week’s #CreditChat was packed with real talk, good vibes, and honest reminders about how to stay in control of your finances—before things start to spiral. I had the pleasure of joining the panel again, and I’m excited to share my full Q&A with you. Let’s get into it!
✅ Q1. What’s one healthy financial habit you’re most proud of?
A1: Checking on my credit reports more often! It’s a simple step, but it keeps me empowered, alert, and in control. #CreditChat
⚠️ Q2. What are some unhealthy financial behaviors or spending habits people should be aware of?
A2: Not tracking where your money is going. When you don’t know what’s leaving your account, it’s easy to feel like you’re stuck or stressed with no plan. Awareness is step one!
💸 Q3. How can overspending patterns show up in everyday life, and why do we sometimes not recognize them?
A3: It’s all those little things—grabbing extra coffees, late-night online shopping, subscription charges you forgot about. They seem small until you add it all up at the end of the month and say, “I spent what?!”
🔍 Q4. What are subtle signs of financial stress that people often overlook?
A4: Late fees. Bank overdraft fees. Subscription renewals you forgot to cancel. All of these signal that you’re not fully tuned in to your money flow—and they can quietly eat into your financial health.
💔 Q5. How does emotional spending play a role in creating unhealthy financial behaviors?
A5: We’ve all been there—feeling down and thinking a new outfit or dinner out will fix it. But if you’re carrying debt, those moments of spending can end up causing more stress later. Instead, get creative—mix up your closet, call a friend, go for a walk. Emotional spending is real, but so is emotional healing.
🧠 Q6. What role does denial play in keeping people from facing their money struggles?
A6: Denial keeps us stuck. But healing starts with listening to yourself: How do I want to live? Is this good for me? Journaling helped me when I had bad credit. Reflect, release the shame, and write your new story.
📱 Q7. How do social pressures (like keeping up with friends on social media) play in developing bad money habits?
A7: It’s tough—we scroll and see everyone’s “highlight reel.” But real life isn’t filtered. Remember: Be you. Live you. Just because someone posts luxury doesn’t mean they can afford it. Stay true to your journey.
💬 Q8. How can a significant other or an accountability partner help you identify unhealthy financial behaviors?
A8: When you’re open with someone, they can lovingly call you out. It’s like having a gym buddy—but for your finances. I say find your “finance bestie” and keep each other empowered!
📲 Q9. What tools or resources can help change unhealthy financial behaviors?
A9: You know I’m going to say it—my upcoming Credit Boss Lady App 💅 will be the place for tracking, learning, and empowering your credit journey. DM me to join the waitlist!
💡 Q10. What’s one healthy financial habit anyone can start today that makes a big long-term difference?
A10: Don’t wait for “tomorrow.” Start today. Whether it’s saving $25 a month, checking your credit reports, or learning something new about finances—today is the day that builds your future.
Big thanks to Experian, the amazing #CreditChat community, and all the thoughtful panelists who make these chats so powerful. This one was a real reminder that healthy credit starts with healthy behaviors—and we can spot and shift the unhealthy ones before they take control.
Let’s keep the conversation going.
Stay empowered. Heal your credit. Build your dream life.
~ Jeanne 💖
CreditBossLady.com | #HealthyCredit #EmpoweredFinance #CreditChat
