I feel like I am a failure because I’ve had to take out a loan to consolidate / pay off all my credit card debt, and it seems like no matter what I do or no matter what budgeting system I use, (I have YNAB at the moment) I somehow fall back into the same patterns of sinking into credit card debt.
I’m 30 years old; I have a 700+ credit score in spite of carrying massive balances (which I’m paying off slowly using the avalanche method); I am a homeowner; I’m college-educated; I have a good, stable job that pays a solid wage and has decent benefits. I’m not a criminal or a sociopath.
So, why do credit cards constantly fuck me up? It’s so frustrating because it seems like other people are able to use their cards judiciously and pay off the statement every month, yet I end up going off the rails and carrying a massive balance even with my best intentions.
Is there some psychological trick at play here? I don’t have an addictive personality. I don’t binge eat, drink excessively, smoke, or do hard drugs. Is spending my addiction? Beyond paying off the debt (which I’m working on doing now), how do I forgive myself for being so irresponsible and move forward with new habits?
Submitted August 05, 2022 at 10:53PM by Euphoric-Kiwi1874 https://ift.tt/EMm5goi
