Nov 3 • General discussion
The Credit Card Skinny
Let’s talk about credit cards - those magical pieces of plastic that let you buy anything you want and worry about paying for it later.
Everywhere you turn, there’s a new “can’t miss” deal: double points, free hotel stays, or a free t-shirt if you take out a 10-year loan.
But here’s the truth: credit cards aren’t evil. They just require discipline.
Even if you pay yours off every month, you’re still spending money you don’t currently have - and that can spiral faster than you think.
Here are two simple paths to regain control:
1️⃣ Go cold turkey.
Take your credit cards out of your wallet, remove them from Apple Pay, and stop using them. If you’re deep in debt, this is the best move. You can’t overspend on what you can’t access.
2️⃣ Simplify your setup.
Stick to one card. The more cards you juggle, the easier it is to lose track - and convince yourself you’re “managing it.” Fewer moving parts = fewer surprises.
At the end of the day, it’s not about how much credit you can access - it’s about how wisely you steward what you already have.
Financial empowerment starts with awareness - and small shifts like these can create massive change over time.
#FinancialFreedom #Stewardship #MoneyMindset #FinancialCoach
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The Credit Card Skinny
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