I got my first credit card very young. I had no direction or guidance and with new responsibilities comes brand new consequences. Being older and needing good credit has been a struggle because I now have to answer to those mistakes I made as a young adult.
Hello everyone! I made a decision to be debt free at the end of 2018. I made it! After having been in the hospital 2 times in 2014 with a costs to us of $11,500. and remodeling a house we were really in debt at the cost of $27000. We also had to charge appliances, auto repair, etc. that we just didn't have cash for. A lot of people do not in this day and age. I decided this had to stop. I have always had some sort of budget. I would put whatever I had left from my check in the back of my checkbook. I could use this for a much needed mini va-ca.
I really just stopped charging!!!!! I would pay a small one off and take that money each month and put it towards another one. I sure did use a lot of money in the last 6 months of 2018. I started using my SS to help pay them off. It was hard, I could see other things I wanted to buy, but I didn't. It was like a heavy burden lifted from me. I have charged a couple of hundred since. Paying them off as they come in. Such a relief. Now, if I keep working and need to buy another car, I will be able to do that. Hang in there! If I can do it, so can you!!