My husband and I ran a business from our house. We were in business for about twenty years. All of a sudden we started loosing accounts. The big accounts went first. Then we lost the small accounts. Everyday was so stressful. I cried over the bills piling up. I cried over losing our business. I could not figure out what to do.
I had been using our credit cards to keep us going. If we needed something for the business I used a credit card. I used credit cards to pay the bills. It got to the point that I was paying each of the credit card bills with another credit card. Finally the credit cards were all overdue and maxed out. I could not rely on my credit cards anymore. I knew we had to do something to get out of debt.
My husband told me to get all the credit cards we had and cut them up. That was our plan to get out of debt. I nearly passed out. There was no way I could cut up the credit cards. But finally I started cutting up credit cards. I nearly cried. I could not even put them in the trash. I put all the pieces in a big coffee mug and put it on a shelf. This was one of the hardest things I have ever done. At first, trying to live without a credit card was extremely difficult. But as time went by I learned to live without them. I learned to pay cash for things. I used the layaway services at a couple of the stores in our town to purchase bigger items.
There is a peace that comes from living within your means. There is a peace that comes when you try to get your finances under control.
We have a long way to go. But we keep trying. We keep learning knew things.
K D Dobson has been writing articles for about two years now. She can be reached at karengerald2002@yahoo.com
By Karen Dobson
No comments:
Post a Comment