Finances are hard. Thinking I need a debt management plan for my credit cards. I hate being stuck in this financial hell of my own making.
Anyone got any words of encouragement or advice?
Follow
in general:
put all credit cards away
do not use them
only pay them off
a bit each month
then cancel
make puchases
with a debit card only
establish a minimum amount
to leave in the account
check the balance every morning
be aware of what you can spend
before your next income arrives
if insufficient funds
above the minimum
to make a purchase
put off purchases till later
or
find an inventive workaround
the goal is to live
within your means by
being aware of funds availability