Yeah. The hardest thing to learn for myself was "Stop digging." Balance transfers are great (I wouldn't have been able to do anything to my debt without one) but the important thing is to stop adding to your debt. If you get it, do you think you can put the card away and not put anything on it, or only use debit?
Right now, I'm in the same situation where I could easily put a bit on the card. It's a week until I get paid again. It would be really nice to have a bottle of wine, etc on the weekend.
But I don't have to. It's not an emergency, so I'm just plain not going to. Because being debt free has been such a hard struggle for me and the "Oh, I'll pay it off next paycheck" attitude was how it got so bad in the first place.
It does require a shift in thinking. But it's absolutely worth it. Good luck on your journey! Keep us updated!
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Date: 2010-06-04 03:11 am (UTC)Right now, I'm in the same situation where I could easily put a bit on the card. It's a week until I get paid again. It would be really nice to have a bottle of wine, etc on the weekend.
But I don't have to. It's not an emergency, so I'm just plain not going to. Because being debt free has been such a hard struggle for me and the "Oh, I'll pay it off next paycheck" attitude was how it got so bad in the first place.
It does require a shift in thinking. But it's absolutely worth it. Good luck on your journey! Keep us updated!