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If you're wondering "How do people get trapped in cycles of credit card debt"?
Then you came to the right place because I have experience and I'm about to tell you.
Here's how people get trapped in credit card debt:
Take a person who grew up poor and the daughter of a single mother
Growing up, I was taught a LOT of the scarcity mindset. Like, my life would be the case study for "How to naturally have a scarcity mindset." BTW - 0 out of 10 recommend the scarcity mindset
Instant gratification was a really good feeling. I thoroughly enjoyed the irresponsible credit card using days. But damn it. I kinda wish I would have never used them, ever. Not for "in case of emergency" and not because "I can afford the minimum payments." Credit cards are a slippery slope, that's for sure.
YOLO!!!!! You only live ONCE! and that's the way my quarter-life crises went. 28, 29 years old, newly divorced lady living her single hot girl summer days, let me tell ya. lol
To recap:
I grew up poor
Scarcity mindset
Instant gratification
YOLO
That's how people get trapped in credit card debt.
Questions?
Wanna know how I got out of the hamster wheel?
You'll find my BFF in there.
My BFF was a huge support in my breakup with Mr Visa.
She also got me a date with Mr Debt-free.
BFF - Budget For Freedom