Friday, March 4, 2011

The Enemy of Debit

Wowzers! I am such at a loss for words. For the past 4 weeks Josh and I have been attending the Dave Ramsey course and tonight I am totally broken. Let me share with you some key pieces to my past. Growing up I worked from the time I was 16 but did not have access to the funds easily. My mom did and I had to ask permission to use the funds that I had worked for. She was wanting me to be responsible but this kind of back fired. At the age of 18 I had a used car paid for, lived at home and had a great job. I fell into the trap of lies. Lies that you have to have credit to get a car, house, go on a trip amongst many other things. Around the age of 18, I had gotten a gas card to "build my credit" but boy oh boy did I fall and I fell hard into the mouth of debit. Credit card companies liked me because they made LOTS and LOTS of money on me! You see after the gas card, came a cell phone, after the cell phone came shopping at AE. You want an AE card so you can get xx% off. Sure why not I'll just pay it off at the end of the month. No problem. The mall and the bookstore became my Best Friend. I would received a Master Card, Visa, American Express along with the gas card and the AE card. I was loaded! I bought stuff to fill a void in my life that only could and can come from Jesus Christ. I would buy stuff before I went to work and would hide it in the car. I took friends out to eat. I bought clothes and shoes. I bought CD's. I have NOTHING to show for it now! My dad helped me out by giving me some money to pay the debits down. I no longer have the credit cards and all the credit cards are paid off but two. I tried debit "counseling" but did not make progress due to fees. It is by the amazing grace, mercy and love of my wonderful husband Josh and dad that I was able to get rid of those cards. My point I am getting at here is I learned a very easy lesson a very hard way! DO NOT GET A CREDIT CARD!!!!!!!! No matter how GOOOODDDD the offer looks. You can pay CASH or use the DEBIT card!! I think of how I have nothing to show for it. I think of how much money I spent. I was living at home, car paid for, no other real expenses and I BLEW $15,000/yr plus some because I had Credit Cards and I was wanting to be accepted. My credit card/shopping addiction goes further into being like an alcoholic at a bar. I could not get enough of the adrenaline high that came from shopping. I have come a long way but still have a long way to go. With Dave Ramsey I CAN do this and God's help! I am making a choice to be more responsible in what I do with what God has given me. Cash HURTS...immediate! Credit FEELS GOOD! Use cash until it STINGS!!!! I am glad that I am saved by grace. Nothing more. Nothing less.

1 comment:

Ann said...

Jenny...thanks for sharing your story and congrats on your new determination. Do not ever backslide. You are doing this for the right reasons. Love, Ann Williams