I kept a balance on my credit card for years and it weighed on me. Waves of financial anxiety. Even the relatively small amount I had on it felt like a ball and chain. Set yourself free. Pay off your debts and build a savings account, if you are able. It doesn’t need to be $10,000. Work toward $1,000 even. Save enough for that next big emergency or expense. That way you’re not reliant on credit when life happens.
Apr 12, 2025

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last year i got super serious about paying off a 5k debt i accrued, and the two things that actually helped me to achieve this, was to prioritize that over all debt repayments i had and cut my physical credit card. I got a new one but i rarely touch it and only use it now for emergencies and things I really know i can pay off quick.
Apr 13, 2025
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Wow I want to open one still. It’s because I go into the negative a lot but then I pay it like the next day. I am very broke sometimes
Apr 12, 2025
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@LOREN And I still have/use credit cards. I use them for most of my purchases. I just pay them off every paycheck. So, there are still good uses for them including building a credit score. It’s the recurring balance and interest that will bite you.
Apr 12, 2025

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