While many people will be promising to do better physically and mentally in the New Year, there are other ideas on how to take care of yourself, financially.

A new NerdWallet survey finds, one in four of us is still paying off the debt from Christmas of 2017. It's why some turn to a 'money coach' to get back on track. 

"It's all about you taking back your power, and I'm here to help you do that," said Wendy Coble with Operation Hope.

Coble is a financial credit and money management counselor with Operation Hope. The non-profit's goal is to have more '700' credit scores in every community.

"I show you how to increase your credit score, reduce your debt and increase your savings," she said.

The last thing anyone wants is a holiday debt hangover. Fidelity Investments said many Americans list debt reduction among their top financial goals.

"Financial stress crosses all lines, all people, it doesn't matter who you are. It shouldn't be a certain segment of society and we believe financial dignity is for everybody," she said.

No matter your story or situation, counselors like Coble are there to guide you to financial confidence. It's a new year and the perfect time to get back on track.

"Fresh start, 2019, take back your power. Look at your big picture, what are your short-term goals? Maybe just to get out of debt or lower your credit card debt. What are your long-term goals? Maybe you want to buy a house in a year," Coble said.

Money management is about savings, one easy way to do this is by auto-transferring money to your savings account each month.

"It comes right off your paycheck, you don't even have to think about it and it's and easy way to save. I tell my clients 'pay yourself first right off the bat," she explained.

Setting you up for a successful year and get you ahead for next holiday season.

"Next year, you will have savings that you can pay your holidays with and you won't need to use those credit cards because we will have gotten you there," Coble said.

This weekend, on Saturday, January 5th Operation Hope is offering a free credit and money management workshop. After attending, you can set up a one-on-one consultation with a financial counselor.

At the workshop, you will learn how to establish great credit, increase your credit score, create a budget, read a credit report, correct errors that may negatively affect your credit rating.

The workshop is offered on the first Saturday of each month at the First Tennessee Bank, 2001 E 23rd St., Chattanooga, TN 37404. This is a FREE event and open to the public.

To register contact Wendy Coble (423) 645-6571 or wendy.coble@operationhope.org. You can also register online with Operation Hope.