The first step toward change is admitting that you have a problem, but to be honest I don't have a huge spending problem. Here's what happens: I'll clear out some credit on a card and then I'll buy things because I know I have the room available to do it. At first, I do plan to pay it off soon but the more I buy, the more I'm like "Screw it."
So yes, sometimes I can be impulsive and once I give myself permission to buy one thing or two, it's easier to give in and take it further.
At the beginning of this year, I had very minimal credit card debt. But late last year I acquired a website that I've had to spend lots of money on to have designed and configured. The most expensive project cost $1400 and the other little tweaks cost hundreds that added up tremendously through this year. Then on top of that I've used the cards for things like gas and fast food whenever there was space on them. It just felt like, the balances are already more than I can pay right now---what's $20 more here or $5 there?
But that ends now.
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