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This seems like a simple concept, but I think some people have a hard time understanding this first easy step to repairing your credit that could give you the momentum you need to actually do it and live a better quality of life...
Too many people are ruining their credit. We don't keep eating food that makes us sick do we? No, we change our diet.
Just like changing your eating habits to avoid getting sick, we must change our spending habits to avoid bad credit.
Do you find yourself taking whatever it is that is in front of you even if you don’t need it?
Its Okay, we all do it. And most of us don’t consider the long-term consequences of this terrible habit of not planning until its too late and the damage has already been done. This soon catches up to us once our income is down and our bills are behind. Our only option is to conveniently forget about the student loan payment or credit card payment we obligated ourselves to when things where a little better when income was a little higher. This develops a bad habit.
It's Only Habit
Really, it all boils down to habit. Meaning its only habit! And if you’re reading this and you're like me, you may have already reached the point in your life where these bad habits caught up to you and destroyed your credit. Here is the positive side to a bad situation: As we struggle to live with bad credit and no savings, we forced to develop good spending habits. As we continue to work harder and get better at our jobs to provide for our family, the income goes up. If you have enough discipline to not let your spending go up, you can save it and catch yourself up, and be a better provider for your family teaching your children the value of positive spending habits, instead of pretending to be rich. Plan everything, think of the future effects of you making the decision, every decision you make. This will develop good planning habits.
What takes more work? Researching and developing good habits? Or living with bad habits and bad credit?
Yes, this may take a little bit of work to track your money and plan where to spend it. But I promise it wont take as much work it takes to survive when we are broke and dodging bill collectors, pretending we are not in this situation. If you want nice things, and not to pretend to be rich, we will take the time to develop spending habits. As you practice it will get easier. seeing the results of make the decision to build your wealth and get the things you want without worrying about losing it. People change their habits every day, why not you?
About Credit Video
7 Seven Simple Steps to Develop Good Habits
How To Budget For Beginners: A 6-Step Guide