There was some talk about this on Twitter this morning, which gave me inspiration for this blog post. According to creditcards.com, 29% of Americans don’t use credit cards. Are you one of them?
I am trying hard to focus on getting rid of my debt.
I have stopped using both my credit cards. One I have cut up and one I have just for emergencies.
I took a Dave Ramsey Financial Peace class and it is so true when he says the borrower is slave to the lender.
That is exactly how I feel.
I'll be honest, I still found myself using the credit card after I took his class. You can sit in the class and hear all the right things to do, but you have to want to get out of your situation bad enough in order to make a change and I am finally at that place.
My ultimate goal would be to be free of credit card debit before I get out of school. Because when I get out of school I will be hit with student loan payments and I would just love to be free and clear of credit card payments.
The thought of student loans makes me cringe, but unfortunately it's what I had to do.
And then I have my car. Oh, how I dream of the day with no car payment!
I’ve FINALLY realized I have been living way outside my means. It’s a mess I’ve gotten myself into, but I can get out of it with a lot of hard work.
It takes you awhile to get into a debt mess (or in some cases not very long) and it will take awhile to get out of it, not going to happen over night.
I’m blessed with a job as a receptionist, but let’s face it, it pays the bills but it’s surely not the big bucks! But I'm in school trying to obtain a career which will give me better financial stability for my future.
I've also learned of the importance of knowing where all your money is going.
This might seem so minuet, but I have a prime example to share with you from just this week. I was driving home from school this week and my car wanted to make a direct right into the McDonald's parking lot because I had a craving for a McFlurry and fries. Y'all don't know how badly I wanted it. But I'm proud to say I conquered and just drove right on by. I know it was money I didn't need to spend, and about $5 more dollars I had in my pocket.
So small, but yet a big lesson. And if we can learn the lessons in the small things, think of the bigger things God will entrust to us. Just one of many examples I could give you.
Have you found yourself debt free? Are you currently in the process of trying to become debt free? Any advice? Anything that you can share that has helped you? I would greatly appreciate it.
I know if I can get a handle on this at a young age, it will so benefit me in the future.
I would hope that when I look back on my life that I can look back with great certainty that my purpose was served here on earth. That I loved God with my whole heart, loved people, and loved well. I love blessing others. It's much better to give then to receive. I know that there's an amazing God that loves me and will never leave me nor forsake me. There's alot of peace in that when this world can let us down. He's my constant, the one thing that remains the same in this ever changing life of mine. I look towards the future with great hope and expectancy. With hope that God has an amazing path for me, and just pray that my every step will be guided and directed by him as I walk this journey called life!
Thank you for coming by. My hope is that through this page you will find some kind of enjoyment and inspiration. Tell others about it and keep checking in. If you want to contact me my e-mail is LaurenBella6@hotmail.com :o)