High-interest credit card debt is one of the most powerful crushers of the human spirit today. It all starts innocently enough with your first credit card. 

Some people know about the pitfalls of credit card debt, but they want to build their credit score responsibly. They do okay for a while, and then an emergency comes up.  They start using their credit cards as their emergency fund. Before they know it, they are in over their head.

Others weren’t sufficiently warned of the fine line between using credit cards wisely and using them recklessly. 

Truthfully, there are myriad reasons why someone can fall into the depths of high-interest credit card debt. But there are ways out. One of these ways is through the help of Polo Funding. It doesn’t matter if you have bad credit, because they won’t run your credit score; in fact, they won’t even ask for your social security number. 

There’s No Time to Start Like Right Now

This quote from C.S. Lewis is particularly appropriate to the subject of credit card debt: “You can’t go back and change the beginning, but you can start where you are and change the ending.”

When you find yourself in over your head with financial debt, it’s easy to be hard on yourself. It’s easy to think back to the money you spent on your credit cards–buying drinks for your friends or buying new furniture for your apartment. You wish you could go back in time and stop yourself from spending this way.

We have to remember that there is no way to change the past. What’s done is done.

Instead, there’s a way to change the future. And that is by getting out of debt.

Take it One Step at a Time

Personal finance gurus have spoken at length about this, even the famous Dave Ramsey once said, “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.”

A company with reviews like Polo Funding works because, when it’s just you, you’re stuck not only with the amount of money you borrowed from credit card companies but a growing quantity of interest, too. That stops when you start working with a funding company. 

And that is your first step to getting out of credit card debt–signing up on the website or making the call.

Don’t Be Afraid to Ask for Help

Nelson Mandela famously said, “It always seems impossible until it’s done.”

Think of it like this: When you’re on your own, it seems like an impossible task to get out of debt. But then you ask for help.

Unfortunately, we don’t always have the help of parents, family, or friends. We weren’t all born into a life of privilege. It feels like we’re alone, especially when we start looking at the mountain of credit card debt we’re under. 

Yet it doesn’t have to feel that way. There are organizations to help, like Polo Funding. It’s not a sign of weakness to ask for help.

Once You’re Out of Debt, Stay Out

This quote is attributed to famous speaker Will Rogers: “Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.”

You have to work hard to get out of doubt. Once you’re out, stay out. 

There’s another quote that applies to this same principle: “Fool me once, shame on you. Fool me twice, shame on me.” If you get into credit card debt once in your life, it’s highly likely that you didn’t have enough financial experience to avoid that situation. But if you get out of debt and then right back in? 

Part of the way to avoid financial debt the second time around is to change your perspective of what is important in life. The American way of thinking involves trying to keep up with the Joneses. This will only lead to more of the same trouble.

Leave a Reply

Your email address will not be published. Required fields are marked *

*
*