From Credit to Cash
Let's decide to stop using credit cards. If you can't afford to pay cash/debit for it, don't buy it. If you stop using your credit cards today, you will stop adding to the principal balance of your credit cards. If you stop adding to the principal balance, you can pay it off faster!
Every time you go online or to the store, before you pull out the credit card, ask yourself a question. Is this a need? Like, truly a need? Or do I just want this? If it is truly a need, what is keeping me from paying cash? Is it because I am using my cash for things I don't really need, like cable television or going out to eat instead of cooking at home?
Those wants are keeping you chained to debt. Today is the day you decide not to be in bondage to credit card debt anymore. Take the credit card out of your wallet. Maybe cut it up (don't cancel it until it's paid in full, though). Make the decision today to cut out all unnecessary spending that is keeping you from being free from the chains of credit cards. And realize the "points" and "rewards" you are earning on those cards are so tiny compared to the extra purchases and the interest that is accruing on the cards that you can't pay off in full.
I can help you identify your wants vs. needs and get you on a plan where you begin to tell your money what to do instead of it telling you what to do.
You can master your money... and I can help!
Contact Michelle Serna by filling out the Contact Me form.
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