I understand the fear & despair you have about debt & finances. I've been there too. Luckily, I learned how to change that & want to help you make changes also.
Minimum payments are designed to keep you in debt to your lender indefinitely and make them richer. Reclaim your freedom and your future by paying more than the minimum using the Debt Snowball method.
An emergency fund, or as I like to call it, a Readiness Reserve, is easy to create and build. Your first goal of $1,000 can be started with as little as $5 per pay. After a while, you can increase your per-pay contribution until you reach your first goal.
How do you feel when you receive forgiveness, compassion, and kindness? Share the gift you received with everyone you meet. How will the world be if you do?
Budgets can seem complicated and restrictive, but once you develop the habit of creating one and tracking your expenses, the freedom and peace doing it gives you will make you wonder how you lived before you started.
Focusing on retaliation sours your heart. Forgiving and working to help each other releases the venom of retribution and replaces it with the fragrance that love yields.
Take comfort in knowing that God has provided for all of your needs and will continue doing so for the rest of your days. He had your back, and always will.
Only making the minimum payment on your debt can keep you paying on it for a long time, resulting in the overall cost exceeding the original purchase value and robbing you of the opportunity to use the money more constructively.
Accepting the normalcy of debt keeps you from a complete awareness of how much money you're losing in finance charges that you could be saving and investing for a better and more secure future.