Wanna know why I closed 95% of my accounts? Because I have no self control well, I didn't, now I am in a much better state mentally but at this time a year ago I was in a bad state mentally where I was coping through the pain by either shopping or eating. I have paid off my balances before all the time with an income tax refund here, a bonus check there but I would always find myself using that credit card again and racking up a balance again. The most I held out from not using the card was 4 months. So I ask you really look deep and ask yourself how often have I paid off my cards to then borrow from them again? If it's often like I did then consider closing the cards. If you have self control then maybe you just need to cut them up. I am now 1 year in where I haven't had to use the credit cards again what about you guys?
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Why do I put myself through this 😆 ya'll. Lightbulb moment, I was looking at my balance from One Main Financial formerly known as Spring Leaf and was a little bothered that the balance wasn't going down alot and their statement doesn't really tell you what the interest rate is. I called the company up and even they couldn't explain it to me other than it accumulates interest daily? Like what is that? Well I had them send me all the payments I've made so far and for every $127 that I was paying about $65 goes to interest every month 😡 Not even my highest limit credit card charges me this but hey you live and you learn. This journey teaches me things every single day and it's a daily reminder of the dumb stuff I used to do. Wanna know how I got suckered in to this? Well Credit Karma had an ad that my approval odds were favorable and that I could use this money as a way to consolidate my credit card bills, well guess what? I didnt use the money for that I ended up playing catch up with some regular bills and bought 💩 like it was no tomorrow. I don't recommend this company at all. Does anyone out hear have a loan with this company also?
day 243 members of the administration must be held accountable. Sean Spicer should be an outcast, not legitimatized by Harvard and certainly not by the Emmys. There is a word for this: normalization. Stay vigilant people, this is #notnormal