When I started working, the very first thing on my mind was to get myself a credit card and enjoy buying the things I want. It was such an exhilarating experience to have the power to purchase items that my heart desires. When I got approved, I immediately bought a new mobile phone, a personal digital assistant and a lot of other electronic gadgets.
I was working hard so I could buy more stuff and then after a few months, pre-approved credit cards began arriving in my mail. I was surprised and excited. It was an answer to my dreams. Dreams that would later turn into a nightmare.
I was blind and dishonest about my finances and slowly, I sunk into Credit card debt. My income could no longer support my lifestyle and I came very close to Bankruptcy.
I realized that I needed Debt help and I must stop living my extravagant lifestyle. I began to care about my future and more importantly, my reputation to my colleagues, family and friends. I did not want them to know that I'm financially in trouble and don't want their pity.
That's when I tried seeking help online. I studied about Debt consolidation and learned ways on how I can get some Debt relief. In time, I was able to raise my Bills IQ and put myself out of financial and emotional misery.
It took a lot of discipline - controlling my expenses, sticking to a budget and finding freelance jobs. Slowly but surely, I was able to pay my credit card debts in full and live a financially stable life. You too can do it. All it takes is courage, focus and the willingness to learn from your mistakes.