It’s easy to feel like saving money and keeping credit card debt down is a never-ending battle—especially when unexpected expenses pop up, or you feel like you’ll never get ahead. But even if it seems impossible, financial discipline is one of the most powerful tools you can have.
I made a huge mistake buying an RV I never use and now getting out of the finance agreement is impossible. So I suggest you really do your homework and find out if your purchase is truly worth it. Every once in a while when I’m feeling down and sad I get the urge to buy really stupid things off Amazon or Temu just to make myself feel better, then the debt hits and I feel just awful knowing I have to pay it all back and can cause my family grief. I always want to think of who gets hurt if I can’t pay my bills, and it’s never just me.
If you have bad credit getting banks to make any changes to current loans is a real struggle, I learned this the hard way when I had used a bunch of credit for my expenses lately, it hit so hard that I wasn’t able to get myself out of my RV loan and into an auto loan. Being self employed is great if you have emergency funds and are great with your credit. Don’t think that credit matters? Try to get approved for a loan and see what happens.
When I was forced to move, I really depended on my savings and financial well being to keep my head above water during this crazy expensive situation. If I wasn’t responsible with my money I would be in so much trouble right now. I have let my credit dip quite a bit in the last 3 months the and it has affected lots of aspects of my life. Time to pull myself out of the hole.
Having great credit and a financial safety net can:
• Keep your bills manageable and prevent the stress of high-interest payments.
• Help you qualify for lower interest rates on loans, car payments, and mortgages.
• Ensure you have funds available in case of emergencies, like medical bills or urgent repairs.
• Give you peace of mind, knowing you’re not constantly one unexpected bill away from financial disaster.
If you’re drowning in debt and struggling to stop unnecessary spending, here are some ways to turn things around:
How to Pull Yourself Out of Debt & Stop Wasting Money
✔ Face the Numbers – List every debt, interest rate, and due date. Seeing the full picture helps you create a plan.
✔ Stop Using Credit Cards – Hide them, freeze them, or cut them up if necessary. Avoid making your debt worse.
✔ Prioritize High-Interest Debt – Pay off the most expensive debt first while making minimum payments on others.
✔ Build a Small Emergency Fund – Even $500 can prevent you from relying on credit in a crisis.
✔ Stick to a Budget – Track every dollar. Identify where you’re overspending and redirect that money toward debt.
✔ Cut Unnecessary Expenses – Skip the daily coffee runs, cancel unused subscriptions, and find free entertainment.
✔ Earn Extra Money – Sell things you don’t need, pick up a side gig, or work overtime when possible.
✔ Use Cash or Debit Only – If you can’t afford it today, don’t buy it.
✔ Negotiate Bills & Interest Rates – Call companies and ask for lower rates—you’d be surprised what they’ll do.
✔ Celebrate Small Wins – Every debt paid off is a step closer to freedom.
No matter how far behind you feel, small, consistent changes will make a difference. Your future self will thank you for making smart financial choices today!
Saving money is one of my favourite hobbies now, and I have never wanted to help people learn from my mistakes so much until my recent move. I teach others to save during holiday celebrations, when emergencies arise, and even when they want to renovate for less. Read more of my amazing posts to get in your way to financial stability.
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