Quote:
Originally Posted by Arbitrary  That's great.
The hardest part is on the way. Once you are back in the black, or functionally back in the black, the temptation is going to be to start going the same things that got you into trouble in the first place. You'll even start to convince yourself that you can handle a little credit card debt because you are wiser from your past experiences.
Don't fucking do it. It won't take you any time at all to end up with a bunch of shit you don't need bought with money that you don't have and you'll be right back where you started. If you want something, really really want something, than save up for it and buy it outright. You need to relearn the difference between what you need, what you want, and what you think you want. That last one will fuck your shit up. |
Eh, it kinda depends how much you obsess over your financials. I racked up 12k in debt putting my wife thru school and hated every fucking minute of it. Every week all I thought about was how much I was knocking off the debt this week. Getting that shit paid off lifted a gigantic weight off me, and then everything was fine again. I still use my credit cards regularly to buy shit I don't need...I just pay them back down to 0 before I buy anything else, that's the deal I made with myself. Sure, there's times when the car needs $1000 worth of repairs too, but that's not a huge deal, just pay that off along with it.
I think once you're deep enough in the hole to realize you're thoroughly fucked, you'll be a lot better about getting that deep again voluntarily. If you really have no accountability for your actions and don't give 2 shits about how much debt you rack up, and do something like file bankruptcy or something to get out of it, then yeah, I'd buy that you're gonna fall back into the hole pretty quickly.
