Bad Money Habits
This false narrative that I kept repeating to myself over and over again led me into a world of trouble. Girl, if you haven't read the details, then let me point you to this post where I lay it all out My Story and All Her Blemishes.
I recognized that I had a problem when I kept breaking my promises to myself. Like ain't no one gone hold me accountable but me. Same applies to you. Are you having open and honest conversations with yourself? Are you being truthful? Or are you trying to cover up from yourself?
What you got to hide, sis? You living your life no one else.
Once I realized that I am the only one responsible for my current situation, I knew I needed to make a change.
Lying to myself was probably the worse thing I could have done. Lying to yourself about an issue does not solve the issue instead it just allows you to think that you don't really have a problem.
I would tell myself that “I would get it under control and that I could get it under control” but yet I didn't. I counted to repeat the same behaviors over and over again and was shocked that my credit card balance would not go down.
Like I magically thought that even though I was paying more than the minimum balance owed I kept swiping my card. Guess what? You cannot get out of debt that way. Eventually, I ended up just hiding my cards in an old purse and only keeping one emergency credit card on me. This helped to reduce my credit card spending.
For some reason, I thought having a few credit cards in my wallet to help spread the debt across multiple cards somehow made it better. I was literally overspending like my credit card was going out of style.
You can use a credit card to benefit you but that only works if you use it strategically which I was not. I had to cut off all access to my credit cards and depend entirely on cash money. This removed my dependence on extra money.
After, I got it under control my life became easier. If Kitrick or I wants to take a trip we are allowed to use the credit card but we have to create a payment plan.
Now when we take trips like the one I took to Cancun for my bachelorette (pictured above) or to Paris where we got engaged (pictured below). We make a plan to get the item paid off with our cash money at no interest or with the minimum amount of interest as possible.
Leave a Reply.