How to Picture Your Life Without Credit Card Debt
Do you have a mental picture of what your life would be like if you had no credit card debt? Have you ever thought about that? If you're anything like me, you haven't given that a thought.
A little more than ten years ago, when I was wrapped up in about $9,000 of credit card debt, it was all I could do to juggle things to make ends meet.
I had no vision, no plan.
I just reacted to the monthly statements as they poured in, and pour in they did.
I often think about my life at that time, and as I reflect on it, I wonder what I could have done differently, better.
What would have had more impact during my transition? One idea keeps surfacing...
if I had a mental picture of a specific outcome, my transition would have had more power.
If I had imagined myself working part-time, waking up later in the morning, rushing around less, yet still being able to afford to do the things I enjoy, I would have been even more driven to accomplish my goal of eliminating credit card debt.
So my question to you is this? What do you dream of doing that you can't do now because of credit card debt? What goal has a mental pull on you but because of credit card debt, it ultimately becomes a major source of frustration in your life? As I mentioned before, if you're anything like me you probably haven't given it a thought, so here are some of the things you can expect when you no longer have credit card debt: ·You would no longer have to live from paycheck-to-paycheck.
·If you're working part-time in addition to your regular job, you now have the option ofgiving that up.
·You can finally take the vacation you've promised yourself.
·You can save some money for emergencies and for your future.
Do you see anything on the list that resonates with you? If you don't, that's okay because the real reason for the list is to get you thinking about the ways in which your life would be different if you had no credit card debt.
I can't stress how important this is because this will be the incentive for you to begin the program and it will provide the staying power you need while you're on the program when you hit an obstacle.
And if I can help you to decide to begin such a program, that's a really big step.
I remember listening to a radio program related to improving finances.
When the program announcer asked the featured guest what was the single most important thing a person listening to the program could do to begin to eliminate credit card debt, she replied, "Decide.
"
A little more than ten years ago, when I was wrapped up in about $9,000 of credit card debt, it was all I could do to juggle things to make ends meet.
I had no vision, no plan.
I just reacted to the monthly statements as they poured in, and pour in they did.
I often think about my life at that time, and as I reflect on it, I wonder what I could have done differently, better.
What would have had more impact during my transition? One idea keeps surfacing...
if I had a mental picture of a specific outcome, my transition would have had more power.
If I had imagined myself working part-time, waking up later in the morning, rushing around less, yet still being able to afford to do the things I enjoy, I would have been even more driven to accomplish my goal of eliminating credit card debt.
So my question to you is this? What do you dream of doing that you can't do now because of credit card debt? What goal has a mental pull on you but because of credit card debt, it ultimately becomes a major source of frustration in your life? As I mentioned before, if you're anything like me you probably haven't given it a thought, so here are some of the things you can expect when you no longer have credit card debt: ·You would no longer have to live from paycheck-to-paycheck.
·If you're working part-time in addition to your regular job, you now have the option ofgiving that up.
·You can finally take the vacation you've promised yourself.
·You can save some money for emergencies and for your future.
Do you see anything on the list that resonates with you? If you don't, that's okay because the real reason for the list is to get you thinking about the ways in which your life would be different if you had no credit card debt.
I can't stress how important this is because this will be the incentive for you to begin the program and it will provide the staying power you need while you're on the program when you hit an obstacle.
And if I can help you to decide to begin such a program, that's a really big step.
I remember listening to a radio program related to improving finances.
When the program announcer asked the featured guest what was the single most important thing a person listening to the program could do to begin to eliminate credit card debt, she replied, "Decide.
"
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