Yes, I am one of those impulsive people who easily gets tempted to buy things that are not really necessary regardless if I have the budget for those things or not. As a result, my credit card has ballooned into a 6-digit balance! Whew! Now I so hate having a credit card! Well, truth of the matter is, I should blame myself for not being responsible in handling my finances.
As a result of my lack of control, all my bonuses goes to the bank, not for personal savings but to pay those credit card debts! Huhuhuhu... While most people are now doing their Christmas shopping, I have to resist going to the mall and prioritize my credit cards.
Well, my aim is to pay my credit card debts hopefully by the end of the second quarter of next year. But if I'm lucky to receive up to 15th month pay, I'll be able to settle everything before the year is over...I'm keeping my fingers crossed!
I really have to sacrifice my desire to shop, shop, shop and shop to get over my credit card blues. Haiz! Lessons learned...
4 comments:
am struggling with credit card debt too! hopefully, i learn my lesson after i settle this...
amen sis.. we have the same problem! Up to now I am still slowly paying my credit card debts..
I am having a hard time resisting this too! Cash is really the king..
i had stopped using it already... nakakaloka pag may credit card/s, you will really use it even if you don't have the budget (just like you said).
now i'm settling them one by one.!
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