Two weeks ago, I opened up about my debt journey. It was hard.
However, today feels harder because I should be debt free by now. I can list a hundred things I should have done differently over the years.
This summer was the first time in six years where my debt went up each month instead of down. I went on a second vacation when I should've stayed home. I had some car repairs that drained my emergency fund. Then, a I battled a bad case of bronchitis that was not only painful but also very costly. (Just got another bill from that this weekend.)
I can't change those things. Seeing my total debt go up the last couple months was a huge wake-up call. I had to pray and ask the Lord to forgive me for using His money for my own desires instead of advancing His kingdom. He's so faithful to forgive, and I'm eager to see how He uses even my own failures for my good and His glory.
So, here's where I am. Only two debts left. The light is there at the end of the tunnel.
Now, you may notice that my Discover balance is HUGE, a lot higher than when I started.
I'm sure a lot of it I can't explain. I did put some of my graduate school on it. I went on this vacation this summer. I was in a wedding and spent more than I expected. There's no excuse. Just transparency with complete strangers.
The biggest mistake I made was having my Discover card connected to my Amazon account. I had great intentions--I would just transfer money to Discover after charging something...like I didn't listen to Dave Ramsey rant and rave about how stupid it is to think credit card points help you in any way. (Sidenote--if you have the will power to pay off a credit card every month and take advantage of those points in some way, that's awesome. I lack such self-control and know that.)
So, tonight I changed the card connected to my Amazon account to my debit card. It's a start.
And, y'all, it's kinda exciting to look at that Bank of America change. :)
What can you do today to tackle your debt? It may be something small, but those little things make huge differences over time.