Salvador Dali Les Elephants paintingMark Rothko Orange and Yellow paintingWassily Kandinsky Improvisation painting
small roles in human decision-making.
For those with debt accumulation, the problem isn’t the credit card. Credit cards are just tools, but they enable people to spend money they don’t have. If you’re ready to break the credit card habit, understand that there’s a deeper problem to solve. Without credit cards, the most accessible facility for overspending will be removed, and that can be the first step to solving the deeper problem of overspending. That is, of course, if you’re ready to admit there’s a problem and commit to changing it.
Steps 1 and 2 above may help you get to the point at which you’re ready to commit to changing your behavior. Committing to this change means spending less than you earn. You should be familiar with the details behind your income an expenses and have the knowledge to determine where there are opportunities for cutting back your spending and increasing your income.
If you use the credit card for spending more than you have, then you will
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment