I know how hard it is to manage personal finances and how appealing credit cards can be. I’ve been in debt myself, and though I managed to get out of debt, the urge to spend and turn to plastic is still something I deal with every day. But I’m here to help you live better and get out of debt while bringing you financial peace of mind with tips and insight from my own personal debt experience. I’m thrilled to be joining the Talking Cents team and have a channel where I can help make you, the readers, feel good about your financial situation.
When I was a kid, we didn’t have much growing up. As a college student, credit card offers were all over the place, and it was so easy to get a few credit cards with credit limits that seemed far beyond what I’ve ever had. Because I grew up without much, I felt a need to make up for lost time and used my credit cards for everything, especially stuff I didn’t need. I didn’t pay attention to terms and conditions, and my credit problems became overwhelming. Before I knew it, I was drowning in debt, and the situation seemed hopeless.
But by making changes to my spending habits and by reevaluating how I handled my credit cards, I was able to get out of debt. It took me a long time, and a lot of effort, but I am finally debt free and able to stay that way. I did this with budgeting skills and becoming financially literate – rather than sit back and assume my finances will work themselves out, I got involved and made sure that I knew everything there was to know about personal finance.
I’m here to share these skills and try to help other people avoid getting into debt, or help them get out of debt. The urge to spend and splurge will always be there, but with the money management skills I’ve learned, I’ve been able to keep my financial future secure without feeling like I’m missing out on life. I’ll be working with the rest of the Talking Cents team to deliver the best tips and tricks of the trade to get out of debt and most importantly, stay out of debt.