Daija Hopson Empowers Women to Overcome Financial Struggles This Holiday Season

As the holiday season kicks into full swing, financial strain looms for many Americans. A recent study by LendingTree revealed that 34% of consumers took on holiday debt in 2023, averaging over $1,000 per person. For women, particularly single mothers, the weight of financial challenges can feel overwhelming — but Daija Hopson is on a mission to change that. As the founder of Luxury Credit Company and Luxury Tax Pros, Daija helps women rebuild their credit, overcome setbacks, and create sustainable financial habits. Her work goes beyond numbers — she’s fostering empowerment and self-confidence, proving that financial independence is possible for everyone. With a holistic approach and a passion for uplifting others, Daija is inspiring women to rewrite their financial stories and embrace a brighter future.

In what ways do you help women bounce back from financial setbacks and build sustainable financial habits?

Daija: Through my companies, Luxury Credit Company and Luxury Tax Pros, I empower women to reclaim their financial stability by offering personalized credit repair services, financial literacy education, and tax strategies tailored to their needs. My approach is not one-size-fits-all — I focus on understanding each woman’s unique challenges and goals, providing tools to help them rebuild their credit, reduce debt, and achieve long-term stability.

But it doesn’t stop there. I believe financial empowerment is about more than numbers — it’s about transforming mindsets. By helping women understand the “why” behind their financial habits, I give them the confidence to create sustainable changes that lead to independence and generational wealth.

What else would you like our readers to know about you and your companies?

Daija: At Luxury Credit Company, I specialize in helping individuals and families repair their credit and navigate financial roadblocks, while Luxury Tax Pros ensure they’re making the most of their tax strategies to save money and invest wisely. My businesses are rooted in a desire to uplift and empower, particularly single mothers, who often face unique financial challenges.

Beyond financial services, I’m also working to launch a beauty brand that highlights the importance of self-love and confidence. I believe when we feel good about ourselves, we make better decisions — not just financially, but in every area of life. This holistic approach to empowerment sets my businesses apart.

What practical strategy tips can you share with us to tackle post-holiday debt and regain financial freedom?

Daija:

1. Prioritize Payments: Focus on high-interest credit cards first to minimize additional debt. This approach helps you tackle the most expensive debt and reduce overall costs.

2. Create a Post-Holiday Budget:Evaluate your holiday spending, identify areas where you can cut back, and allocate funds to pay down debt.

3. Avoid New Debt: Make a conscious decision to limit discretionary spending and avoid relying on credit cards during the repayment period.

4. Use Windfalls Wisely:Year-end bonuses, tax refunds, or unexpected gifts can be applied directly to outstanding debt for quicker financial recovery.

5. Start an Emergency Fund:Even setting aside $20 a week can provide a financial cushion that keeps you from falling into future debt.

These steps are practical, actionable, and proven to help rebuild financial stability after the holiday season.

If you could redesign how financial education is taught in schools or communities, what would that look like, and how would it empower women?

Daija: Financial education should start early and include real-life applications. I would implement programs in schools that teach budgeting, credit management, and investment basics alongside traditional math and economics. For communities, I envision free workshops and mentorship programs designed to make financial literacy accessible to all, especially women.

These programs would highlight the specific financial challenges women face, from wage gaps to caregiving costs, and provide tools to navigate these challenges. When women are financially empowered, they lift entire communities.

What was a defining moment in your life when you realized the power of financial independence?

Daija: A pivotal moment for me was overcoming personal financial setbacks and realizing that my financial health directly impacted every other area of my life. That realization drove me to educate myself, build a solid financial foundation, and then share that knowledge with others. Seeing how my journey inspired others to take control of their finances affirmed my belief in the transformative power of financial independence. It’s a gift that keeps giving, and I’m committed to passing it on.

If you had to pick one word to describe the impact you want to leave on your community, what would it be and why?

Daija: Empowerment. To me, empowerment means giving people the tools, knowledge, and confidence to change their circumstances. I want the women I work with to walk away knowing they have the power to rewrite their financial stories, build wealth, and create a legacy. That ripple effect of empowerment can transform families and communities for generations.

What’s a lesson you’ve learned from the women you mentor that has profoundly changed how you approach your work?

Daija: One of the most profound lessons I’ve learned is the importance of empathy. Every woman’s financial journey is different, shaped by unique challenges, opportunities, and personal goals. This understanding has taught me to listen first and tailor my approach to meet women where they are. By doing this, I’ve seen incredible transformations — not just financially, but in confidence and self-worth.

What would you like to gain from this interview, and how do you hope to inspire our readers through your story?

Daija: I hope this interview inspires readers to take charge of their financial futures, no matter where they are starting from. Financial independence is a journey, not a destination, and it’s never too late to begin. By sharing my story, I want readers to see that overcoming financial adversity is possible and that they have the power to create the lives they deserve.

How can our audience remain connected with you?

Daija: Readers can connect with me on Instagram at @coach_daija for daily tips and inspiration. They can also visit my websites, Luxury Credit Company and Luxury Tax Pros, for resources, updates, and one-on-one support. I look forward to continuing the conversation and helping your audience achieve their financial goals!

Photo Credits: Photo Provided by Daija Hopson