{"id":2758,"date":"2025-01-06T19:08:08","date_gmt":"2025-01-06T19:08:08","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=2758"},"modified":"2026-06-14T09:20:57","modified_gmt":"2026-06-14T14:20:57","slug":"w-obliczu-wakacyjnego-zadluzenia","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/pl\/2025\/01\/06\/facing-holiday-debt\/","title":{"rendered":"Zad\u0142u\u017cenie na wakacje? Odpowiedzi\u0105 mo\u017ce by\u0107 kapita\u0142 domowy"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p id=\"E287\" class=\"x-scope qowt-word-para-0\"><span id=\"E288\">By\u0107 mo\u017ce \u015bwi\u0119ta ju\u017c si\u0119 sko\u0144czy\u0142y, ale dla wielu Amerykan\u00f3w ich finansowe nast\u0119pstwa dopiero si\u0119 zaczynaj\u0105. Pojawiaj\u0105 si\u0119 rachunki za \u015bwi\u0105teczne wydatki na kartach kredytowych, a w przypadku niekt\u00f3rych z nich nak\u0142adaj\u0105 si\u0119 one na istniej\u0105ce wcze\u015bniej wysokooprocentowane zad\u0142u\u017cenie. To obci\u0105\u017cenie finansowe nie jest tylko anegdotyczne - istniej\u0105 dane, kt\u00f3re to potwierdzaj\u0105.<\/span><\/p>\n<p id=\"E289\" class=\"x-scope qowt-word-para-0\"><span id=\"E290\">Wed\u0142ug <\/span><span id=\"E292\">BankRegData<\/span><span id=\"E294\">Niewyp\u0142acalno\u015b\u0107 kart kredytowych w USA osi\u0105gn\u0119\u0142a najwy\u017cszy poziom od czasu kryzysu finansowego z 2008 roku. Tylko w ci\u0105gu pierwszych dziewi\u0119ciu miesi\u0119cy 2024 r. po\u017cyczkodawcy kart kredytowych odpisali osza\u0142amiaj\u0105c\u0105 kwot\u0119 $46 miliard\u00f3w powa\u017cnie zaleg\u0142ych sald po\u017cyczek - wzrost o 50% w por\u00f3wnaniu z tym samym okresem w 2023 r. i najwy\u017cszy od 14 lat.<\/span><\/p>\n<p id=\"E295\" class=\"x-scope qowt-word-para-0\"><span id=\"E296\">Co to oznacza? Wielu Amerykan\u00f3w, szczeg\u00f3lnie tych o ni\u017cszych dochodach, odczuwa ci\u0119\u017car inflacji i rosn\u0105cych st\u00f3p procentowych. W miar\u0119 zacie\u015bniania si\u0119 bud\u017cet\u00f3w trudno jest zarz\u0105dza\u0107 wysokooprocentowanym zad\u0142u\u017ceniem na kartach kredytowych, co prowadzi do rekordowych przypadk\u00f3w niesp\u0142acania zobowi\u0105za\u0144.<\/span><\/p>\n<\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\">Oznaka zmian gospodarczych<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p>Cho\u0107 statystyki te mog\u0105 brzmie\u0107 niepokoj\u0105co, jest w nich jednak co\u015b pozytywnego. W przesz\u0142o\u015bci rosn\u0105ca liczba niesp\u0142aconych kart kredytowych by\u0142a wczesnym sygna\u0142em spowolnienia gospodarczego, kt\u00f3re cz\u0119sto prowadzi\u0142o do ni\u017cszej inflacji i spadku st\u00f3p procentowych. Dla w\u0142a\u015bcicieli dom\u00f3w mo\u017ce to oznacza\u0107 nowe mo\u017cliwo\u015bci skuteczniejszego zarz\u0105dzania d\u0142ugiem.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1024\" height=\"682\" alt=\"Zestresowana para kaukaska w konflikcie z rachunkami kart kredytowych lub zad\u0142u\u017ceniem z powodu nadmiernych wydatk\u00f3w na zakupy. Ryzyko lub kryzys finansowy kochanka i z\u0142e nawyki zakupoholiczki. Brak dyscypliny pieni\u0119\u017cnej, planowania i doradcy\" title=\"Zestresowana para kaukaska w konflikcie z rachunkami kart kredytowych lub zad\u0142u\u017ceniem z powodu nadmiernych wydatk\u00f3w na zakupy. Ryzyko lub kryzys finansowy kochanka i z\u0142e nawyki zakupoholiczki. Brak dyscypliny pieni\u0119\u017cnej, planowania i doradcy\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-1024x682.jpeg\" class=\"img-responsive wp-image-2776 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-200x133.jpeg 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-400x267.jpeg 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-600x400.jpeg 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-800x533.jpeg 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2-1200x800.jpeg 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2.jpeg 1280w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\">Tw\u00f3j kapita\u0142 domowy: Ko\u0142o ratunkowe w trudnych czasach<\/h4><\/div><div class=\"fusion-text fusion-text-3\"><p id=\"E303\" class=\"x-scope qowt-word-para-0\"><span id=\"E304\">Je\u015bli jeste\u015b w\u0142a\u015bcicielem domu, by\u0107 mo\u017ce nadszed\u0142 czas, aby rozwa\u017cy\u0107 wykorzystanie kapita\u0142u w\u0142asnego w celu przej\u0119cia kontroli nad swoimi finansami. Wykorzystuj\u0105c warto\u015b\u0107 zgromadzon\u0105 w domu, mo\u017cesz:<\/span><\/p>\n<ul>\n<li id=\"E305\" class=\"qowt-li-0_0 qowt-list x-scope qowt-word-para-0\" role=\"listitem\" aria-roledescription=\"Bullet\"><span id=\"E306\">Konsolidacja wysokooprocentowanego zad\u0142u\u017cenia na karcie kredytowej w jedn\u0105, ni\u017cej oprocentowan\u0105 rat\u0119.<\/span><\/li>\n<li id=\"E307\" class=\"qowt-li-0_0 qowt-list x-scope qowt-word-para-0\" role=\"listitem\" aria-roledescription=\"Bullet\"><span id=\"E308\">Uwolnienie przep\u0142yw\u00f3w pieni\u0119\u017cnych w celu pokrycia codziennych wydatk\u00f3w<\/span><\/li>\n<li id=\"E309\" class=\"qowt-li-0_0 qowt-list x-scope qowt-word-para-0\" role=\"listitem\" aria-roledescription=\"Bullet\"><span id=\"E310\">Zyskaj spok\u00f3j ducha, wiedz\u0105c, \u017ce twoje finanse s\u0105 uporz\u0105dkowane.<\/span><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\">Powakacyjny reset finansowy<\/h4><\/div><div class=\"fusion-text fusion-text-4\"><p>Stycze\u0144 to idealny czas, aby nacisn\u0105\u0107 przycisk resetowania. Dzi\u0119ki stabilizacji oprocentowania kredyt\u00f3w hipotecznych, a nawet potencjalnym spadkom w 2025 r., refinansowanie domu lub uzyskanie dost\u0119pu do po\u017cyczki pod zastaw domu mo\u017ce zaoszcz\u0119dzi\u0107 tysi\u0105ce dolar\u00f3w na odsetkach. Zamiast \u017conglowa\u0107 wieloma p\u0142atno\u015bciami kart\u0105 kredytow\u0105 z niebotycznie wysokimi stopami procentowymi, wyobra\u017a sobie uproszczenie swoich finans\u00f3w i rozpocz\u0119cie roku z wyra\u017aniejsz\u0105 \u015bcie\u017ck\u0105 naprz\u00f3d.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:45px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\">Stw\u00f3rzmy razem Twoj\u0105 strategi\u0119 finansow\u0105<\/h4><\/div><div class=\"fusion-text fusion-text-5\"><p id=\"E317\" class=\"x-scope qowt-word-para-0\"><span id=\"E318\">At Oak Leaf Community Mortgage, powered by Nations Lending, we\u2019re here to help you navigate these financial waters. Our team is dedicated to finding solutions tailored to your unique needs, whether that\u2019s refinancing, consolidating debt, or exploring other options.<\/span><\/p>\n<p id=\"E319\" class=\"x-scope qowt-word-para-0\"><span id=\"E320\">Liczby nie k\u0142ami\u0105 - niesp\u0142acalno\u015b\u0107 kart kredytowych ro\u015bnie, ale jako w\u0142a\u015bciciel domu masz mo\u017cliwo\u015b\u0107 napisania swojej historii finansowej na nowo. Pracujmy razem, aby przekszta\u0142ci\u0107 to wyzwanie w szans\u0119.<\/span><\/p>\n<p id=\"E321\" class=\"x-scope qowt-word-para-0\"><strong><span id=\"E322\">Zr\u00f3b pierwszy krok ju\u017c dzi\u015b. <a href=\"https:\/\/www.myoakleaf.com\/pl\/skontaktuj-sie-z-nami\/\">Skontaktuj si\u0119 z nami<\/a> na bezp\u0142atn\u0105 konsultacj\u0119 i uwolnijmy potencja\u0142 kapita\u0142u w\u0142asnego.<\/span><\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:35px;margin-bottom:35px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:350px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:350px;\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"835\" height=\"836\" alt=\"Jl Headshot 1st Choice Blue Hr Clipped\" title=\"Jl Headshot 1st Choice Blue Hr Clipped\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png\" class=\"img-responsive wp-image-1678 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-200x200.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-400x400.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-600x601.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-800x801.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png 835w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-6\"><p><b><i>Ta wiadomo\u015b\u0107 zosta\u0142a napisana przez\u00a0<a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\">Joe LaGiglia<\/a> Oak Leaf Community Mortgage, NMLS #703971. R\u00f3wny po\u017cyczkodawca mieszkaniowy. Cz\u0142onek FDIC.<\/i><\/b><\/p>\n<p><i>Nasz ekspert, Joe LaGiglia, pracuje w centrum Plainfield jako starszy doradca ds. kredyt\u00f3w hipotecznych w firmie Oak Leaf Community Mortgage, dzia\u0142aj\u0105cej w ramach sieci Nations Lending. Joe posiada licencj\u0119 o zasi\u0119gu og\u00f3lnokrajowym, a jego wiedza specjalistyczna jest rozleg\u0142a i nieoceniona. Aby dowiedzie\u0107 si\u0119 wi\u0119cej lub skontaktowa\u0107 si\u0119 bezpo\u015brednio z Joe, odwied\u017a jego stron\u0119 <a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\">strona bio tutaj<\/a>\u00a0<\/i><i>lub zadzwo\u0144 lub wy\u015blij SMS pod numer 630-936-3242 (NMLS #703971).<\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":{"location_name":"","location_image":false,"phone":"","address":"","hours":"","description":"","loan_programs":false,"serving_these_areas":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Facing Holiday Debt? Your Home Equity Could Be the Answer<\/title>\n<meta name=\"description\" content=\"Facing holiday debt? Use your home equity to consolidate high-interest credit card balances and regain financial control. Learn how leveraging your home&#039;s value can help you save thousands and simplify your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myoakleaf.com\/pl\/2025\/01\/06\/w-obliczu-wakacyjnego-zadluzenia\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Facing Holiday Debt? Your Home Equity Could Be the Answer\" \/>\n<meta property=\"og:description\" content=\"Facing holiday debt? Use your home equity to consolidate high-interest credit card balances and regain financial control. Learn how leveraging your home&#039;s value can help you save thousands and simplify your finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myoakleaf.com\/pl\/2025\/01\/06\/w-obliczu-wakacyjnego-zadluzenia\/\" \/>\n<meta property=\"og:site_name\" content=\"Oak Leaf Community Mortgage\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-06T19:08:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-14T14:20:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\"},\"headline\":\"Facing Holiday Debt? Your Home Equity Could Be the Answer\",\"datePublished\":\"2025-01-06T19:08:08+00:00\",\"dateModified\":\"2026-06-14T14:20:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/\"},\"wordCount\":7424,\"image\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/OLCM_HolidayDebt_header_010625v2.png\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/\",\"name\":\"Facing Holiday Debt? Your Home Equity Could Be the Answer\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/OLCM_HolidayDebt_header_010625v2.png\",\"datePublished\":\"2025-01-06T19:08:08+00:00\",\"dateModified\":\"2026-06-14T14:20:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\"},\"description\":\"Facing holiday debt? Use your home equity to consolidate high-interest credit card balances and regain financial control. Learn how leveraging your home's value can help you save thousands and simplify your finances.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/OLCM_HolidayDebt_header_010625v2.png\",\"contentUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/OLCM_HolidayDebt_header_010625v2.png\",\"width\":1920,\"height\":1080,\"caption\":\"Olcm Holidaydebt Header 010625v2\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/2025\\\/01\\\/06\\\/facing-holiday-debt\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Facing Holiday Debt? Your Home Equity Could Be the Answer\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/\",\"name\":\"Oak Leaf Community Mortgage\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\",\"name\":\"dooley\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"caption\":\"dooley\"},\"sameAs\":[\"https:\\\/\\\/www.myoakleaf.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Zad\u0142u\u017cenie na wakacje? Odpowiedzi\u0105 mo\u017ce by\u0107 kapita\u0142 domowy","description":"Zad\u0142u\u017cenie na wakacje? Wykorzystaj sw\u00f3j kapita\u0142 domowy do konsolidacji wysokooprocentowanych sald na kartach kredytowych i odzyskaj kontrol\u0119 nad finansami. Dowiedz si\u0119, jak wykorzystanie warto\u015bci domu mo\u017ce pom\u00f3c Ci zaoszcz\u0119dzi\u0107 tysi\u0105ce i upro\u015bci\u0107 finanse.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myoakleaf.com\/pl\/2025\/01\/06\/w-obliczu-wakacyjnego-zadluzenia\/","og_locale":"pl_PL","og_type":"article","og_title":"Facing Holiday Debt? Your Home Equity Could Be the Answer","og_description":"Facing holiday debt? Use your home equity to consolidate high-interest credit card balances and regain financial control. Learn how leveraging your home's value can help you save thousands and simplify your finances.","og_url":"https:\/\/www.myoakleaf.com\/pl\/2025\/01\/06\/w-obliczu-wakacyjnego-zadluzenia\/","og_site_name":"Oak Leaf Community Mortgage","article_published_time":"2025-01-06T19:08:08+00:00","article_modified_time":"2026-06-14T14:20:57+00:00","og_image":[{"width":1280,"height":853,"url":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_Featured_v2.jpeg","type":"image\/jpeg"}],"author":"dooley","twitter_card":"summary_large_image","twitter_misc":{"Napisane przez":"dooley","Szacowany czas czytania":"3 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#article","isPartOf":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/"},"author":{"name":"dooley","@id":"https:\/\/www.myoakleaf.com\/es\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c"},"headline":"Facing Holiday Debt? Your Home Equity Could Be the Answer","datePublished":"2025-01-06T19:08:08+00:00","dateModified":"2026-06-14T14:20:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/"},"wordCount":7424,"image":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#primaryimage"},"thumbnailUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_header_010625v2.png","articleSection":["Uncategorized"],"inLanguage":"pl-PL"},{"@type":"WebPage","@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/","url":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/","name":"Zad\u0142u\u017cenie na wakacje? Odpowiedzi\u0105 mo\u017ce by\u0107 kapita\u0142 domowy","isPartOf":{"@id":"https:\/\/www.myoakleaf.com\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#primaryimage"},"image":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#primaryimage"},"thumbnailUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_header_010625v2.png","datePublished":"2025-01-06T19:08:08+00:00","dateModified":"2026-06-14T14:20:57+00:00","author":{"@id":"https:\/\/www.myoakleaf.com\/es\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c"},"description":"Zad\u0142u\u017cenie na wakacje? Wykorzystaj sw\u00f3j kapita\u0142 domowy do konsolidacji wysokooprocentowanych sald na kartach kredytowych i odzyskaj kontrol\u0119 nad finansami. Dowiedz si\u0119, jak wykorzystanie warto\u015bci domu mo\u017ce pom\u00f3c Ci zaoszcz\u0119dzi\u0107 tysi\u0105ce i upro\u015bci\u0107 finanse.","breadcrumb":{"@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#primaryimage","url":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_header_010625v2.png","contentUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/01\/OLCM_HolidayDebt_header_010625v2.png","width":1920,"height":1080,"caption":"Olcm Holidaydebt Header 010625v2"},{"@type":"BreadcrumbList","@id":"https:\/\/www.myoakleaf.com\/2025\/01\/06\/facing-holiday-debt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.myoakleaf.com\/es\/"},{"@type":"ListItem","position":2,"name":"Facing Holiday Debt? Your Home Equity Could Be the Answer"}]},{"@type":"WebSite","@id":"https:\/\/www.myoakleaf.com\/es\/#website","url":"https:\/\/www.myoakleaf.com\/es\/","name":"Spo\u0142eczno\u015bciowa hipoteka Oak Leaf","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myoakleaf.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Person","@id":"https:\/\/www.myoakleaf.com\/es\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c","name":"dooley","image":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","caption":"dooley"},"sameAs":["https:\/\/www.myoakleaf.com"]}]}},"_links":{"self":[{"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/posts\/2758","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/comments?post=2758"}],"version-history":[{"count":16,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/posts\/2758\/revisions"}],"predecessor-version":[{"id":4394,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/posts\/2758\/revisions\/4394"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/media\/2775"}],"wp:attachment":[{"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/media?parent=2758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/categories?post=2758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myoakleaf.com\/pl\/wp-json\/wp\/v2\/tags?post=2758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}