Creditor's Don't Care
The beginning of your creditor relationship is all smiles and promises. They are like, "Don't worry about it. Buy it now and pay for it later." And we think, "Well they must think I can pay for this later if they are offering me credit. And if I can just rearrange a few things, I can pay these low monthly payments."
But life happens. Things change. The best of intentions are left by the side of the road. The bills pile up. Interest accrues. And maybe, you get behind. Maybe you just can't pay right now because of a loss of income.
At the end of the day, while you may be able to work out something with the creditor, ultimately, they don't care about your situation. They just want your money.
We can stop the process before it begins. Let's be intentional today and skip the credit. If you don't absolutely need it (see my previous blog on the "4 Walls") then don't buy it. Save up for it. Then there will be no broken promises or intentions. And if something really crazy happens, you are not obligated to any creditor because you didn't borrow.
If you find yourself in a situation from a credit decision in the past, I can help.
You can master your money... and I can help!
Contact Michelle Serna by filling out the Contact Me form.
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