{"id":15503,"date":"2010-06-27T07:09:30","date_gmt":"2010-06-27T11:09:30","guid":{"rendered":"\/\/www.askmrcreditcard.com\/news\/?p=15503"},"modified":"2010-06-27T07:09:30","modified_gmt":"2010-06-27T11:09:30","slug":"self-forgiviness","status":"publish","type":"post","link":"https:\/\/www.askmrcreditcard.com\/news\/self-forgiviness\/","title":{"rendered":"Your Secret Weapon To Get Out of Credit Card Debt – Self Forgiveness"},"content":{"rendered":"

The following is a guest post by Neal Frankle. He’s a Certified Financial Planner<\/a> and blogs at Wealth Pilgrim<\/a>. Neal writes about taking action steps to improve clients’ financial situations and finding balance at the same time.<\/i><\/p>\n

Your Secret \u201cGet Out Of Credit Card Debt\u201d Weapon<\/p>\n

Believe it or not, there really is a secret to getting out of credit card debt. It\u2019s something that very few people do. But when they do, things improve big time \u2013 and fast.<\/p>\n

The secret isn\u2019t a black-jack system or hot stock tip.<\/p>\n

It\u2019s simply forgiveness.<\/p>\n

That\u2019s right. If you want to change your financial (or any) situation, you have to forgive yourself for the mistakes you\u2019ve made first. I say this because I understand the power of guilt. I\u2019ll share a story that illustrates this point.<\/p>\n

Steve is a disabled friend on a very limited income. He doesn\u2019t live extravagantly but once in awhile, he goes on a spending binge. He does this, I think, to escape his loneliness. It\u2019s not hard to understand and have sympathy for him.<\/p>\n

But the piper has to be paid sooner or later, When that credit card bill comes in, Steve spirals down into a greater depression. He can\u2019t believe he got himself into debt again.<\/p>\n

The only remedy for those awful guilty feelings are spending\u2026 so off he goes. He feels better for awhile.<\/p>\n

It\u2019s a vicious cycle for Steve and lots of other people too. You might not face the same demons that Steve does, but you might find yourself overspending in order to get some relief. Even if it\u2019s only a short term solution.<\/p>\n

Rather than ignore this problem, let\u2019s treat it at it\u2019s core. For many of us, the guilt and other bad feelings are what\u2019s behind our self destructive financial action. We have to get rid of the guilt if we want to stop that behavior once and for all.<\/p>\n

How? – By forgiving ourselves.<\/b><\/p>\n

If you are in a financial mess today, there is no good reason to continue to beat yourself up over it. In fact, there are only bad reasons to continue to do so. Now I realize that it\u2019s very easy to say this and very difficult to do. I don\u2019t have a magic wand that will help any of us forgive ourselves immediately\u2026but I do have a few ideas that will help.<\/p>\n

The number one best way to forgive yourself for the mistakes you\u2019ve made is to get busy in action now. Do estimable acts. If you used to spend money without keeping track, start tracking your spending<\/a> now.<\/p>\n

If you have high credit card debt, take action to reduce the cost of your debt<\/a>. There are plenty of ways to do this.<\/p>\n

Whatever it is, map out a plan and take action. Don\u2019t just stand there\u2026.do something. By taking positive action, you\u2019ll be so busy you won\u2019t have time to feel guilty or spend too much. At this point, you\u2019ll have a choice \u2013 you can either focus on the positive action you are taking in the present or you can dwell in the past.<\/p>\n

Right now, you may not have the choice\u2026.that\u2019s why you might be stuck in the guilt which is a recipe for getting deeper in the hole.<\/p>\n

<\/p>\n

<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

The following is a guest post by Neal Frankle. He’s a Certified Financial Planner and blogs at Wealth Pilgrim. Neal writes about taking action steps to improve clients’ financial situations and finding balance at the same time. 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