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I feel compelled to write about my past money experiences. I recently confronted my own difficulties in handling credit card debt. I have recently worked with a company to consolidate all my debt which is an embarrassing 18,000.00. How could it get this high? What in the world did I buy? Did I buy big ticket items? I’m sure your wondering the answers. The bottom line is I can’t tell you exactly what I bought, I did not buy any big ticket items, and the reason it got so high is because I was afraid to face the problem and ask for help before it got too big to handle. Then the credit card companies, change your due dates without you even noticing so then what happens you are late with a payment and you don’t even realize it, so please check your statements monthly and the due dates. Then once your late it doesn’t matter how good you have been with your payments they will slap you with a fee and increase your interest rate. Then when you call they will tell you that you need to now make 6 consecutive on time payments before they will lower your interest rates again. Folks you can call each of your credit card companies and lower your own interest rates just by asking. You can do this every three months because they are sneaky and can up your interest rate any time they want. I am not proud of what I’ve done but I am proud of the fact that I have made some major strides in learning about how credit cards work and why we get into credit card debt so easily. I no longer have any credit cards. I live in a chash only world right now. Folks it is going to take me four years and eight months to pay off my credit card debt. My reason for baring my embarrassing issue is to hopefully help someone else not get into this emotional mess. The toll this big secret has taken on me and my family was not worth it. I know I need to change my money blueprint. In my reading of The book, The Secrets of the Millionaire Mind by T.Harv Eker I realize now that how I learned about money as a child has had a devastating effect on my relationship with money and that I have not consciously been aware of my money blueprint and how it has affected me until now. I now understand that I have the ability to change it and my money habits. What I learned is that there are habits of doing and habits of not doing. Just like having a habit of spending my pay check as soon as I got it. Now I delay even grocery shopping by a day so I can break my habit. I am committed to changing my money habits. I save every week even if it is a dollar. The point is to create the habit, not the amount. I also admitted my debt to my spouse. I am still alive to write about this. That was the hardest thing I have ever had to do. I am very fortunate to have a wonderful husband who is inspiring me to come up with ways to earn additional income to pay off my debt sooner. Today I have split a cord of wood to earn extra income. Now that I feel free of my dreaded secret. It has also free’d me to be creative to earn additional income in more creative ways. I feel empowered now that my secret is out in the open for everyone to see. I will get out of bad debt and have a new sense of freedom and inspiration. I hope this helps at least one person.



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