Okay, okay....the title of this post has me tickled, but its the truth. So, without going into major details, I have a bit of credit card debt, YES, credit card debt! Though I only have 2 major cards & 1 department store card, they are still not paid off in full and because of that, I am currently paying on them monthly. Anytime you owe someone, regardless of what it is, then you are technically in debt because you have not totally paid off your balance with them (and lets not even talk about student loans....ugh, lol, but even those WILL be paid OFF in due season :-) ) but okay, back to the post.....
Sometimes I want to just bop myself upside the head for even getting a credit card in the first place. Even after they told us NOT to get swindled in after high school, I still took it upon myself to apply and of course, I was approved, lol. Now, I've had a line of credit open for years now and though I was very cautious of my spending in the beginning, I got carried away at some point during my time of being a credit card holder which is causing me to pay more back now. As the saying goes, you can't cry over spilled milk and that is true so......I'm doing the RIGHT thing by not ignoring my creditors and paying these darned bills (takes a deeeep, heavy sigh).
Word from the wise.....do not go out and make bills for yourself that you can't responsibly handle or ones you know you can't pay back in full within a month's time. While having a credit card isn't a bad thing, if you're not careful, it can cause more harm than good down the road. Because I desire to be debt free and not carry any additional financial struggles into my future marriage, it is imperative that as a single person I do everything in my power to resolve my financial issues NOW. Its not fair to my future husband to help me pay bills that "I" irresponsibly accumulated. So ladies & gents, pay those bills off! Don't ignore the creditors when they call. Even if its not alot, just let them know you may be experiencing difficulty paying and make sure that you pay something even if its just $20. We can't believe God to work a miracle and work out our debt if we aren't willing to at least try and do the same.
Instead of trying to keep up with the latest fashions, buy the newest pair of heels, and indulge in a lifestyle you can't afford, BUY WITHIN YOUR MEANS. Everything that you CAN buy shouldn't be bought, especially if you're trying to become financially free. Its so not cute to be fabulous on the outside but straight up struggling on the inside- struggling to pay your rent, car note, baby's day care, you don't have food in your house, etc.....but you' cute though???? Um, no maam, Pam! NOT!
Start saving more, sacrifice going out, sacrifice eating out, and try to find a side job (hustle, lol) where you can legally earn additional income to help you. Every little bit counts. I'm still getting better and though I despise the thought of some of the situations I've allowed myself to get in financially, I still feel awesome and am extremely grateful that I'm in a position where I'm ABLE to pay off my debts and build my credit score. Even before I get the husband, "I" want to be able to get a nice house, a nice car, and nice things (at which I will get) ON MY OWN!!!!
So I'm on a mission to become DEBT FREE and plan to pay off at least one, if not more, of my credit cards this year. I truly count it all as lessons learned and I know that one of the greatest feelings ever is to experience financial PEACE. If you get the urge to apply for credit cards & you know you won't be able to pay them 100%, then I would advise you to step awayyyyyyyy and go exercise that urge off..................or something, lol!!!!!!
~Nina
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