Do
you (or someone you know) find shopping a mystical experience? Using your
credit card to purchase a variety of items empowers you, gives you a good
feeling, and helps you see all as right in world. At that moment, you are not
thinking of the debt (and interest) you are incurring with your purchases, it’s
anyone’s guess if you really need all the things you have acquired on the
shopping trip. (Maybe these are wants instead.)
In
my family, credit has been both a blessing (when there is a legitimate need and
cash is non extent) and curse (when payments come due). Experts say it is best
to live within the income you make. Get a second job (part-time), or sell
household items to get your overall debt paid off as soon as possible.
Though
experts may not agree with me, here are a few emergencies that I advise the use
of a credit card (if funds are unavailable). They are survival after a natural
disaster (tornadoes, earthquakes, fires, and tsunamis), medication, airplane
ticket (or gas, food, and monies) to an out-of-state event (wedding or death).
Whatever
it takes (possibly psychological counseling) for you to get out from under the
heavy load of debt you are carrying right now, be an overcomer. I know you can do it even if you have to work
two jobs for a short period of time. This is achievable. There many good
consumer credit counseling services that have the ability to get both your debt
(and credit card interest rate) lowered considerably. Hopefully, as a result
you can realize there are solutions (or help) out if you only ask for it.
No comments:
Post a Comment