I'm not saying I blame the sky rocket prices. I'm not blaming the lack of education when it comes to how to spend your money. I dont blame the banks that throw their credit cards at you the minute you graduate and starts your first job.
Yes, I blame self control. I blame parents, not educating kids at a young age to start understanding the concept of earning, spending, borrowing, loaning, returning money.
True, I was there. True, I suffered, TWICE. Two cycles of credit card and personal loans I went through. WHY TWO?
The first cycle was when I graduated, I got 8 credit cards "given" to me, I paid them off with my personal loans.
I was happy I paid them off, that I was again "given" a few credit cards, but this time I did not sign off for 8, I took 2 instead. BUT, i still maxed them out. I also had my personal loans from before, which I then changed my maxed out Credit cards to personal loans and in the end, I told myself. I give up. Just black list me. Just stop calling me every month to remind me of the minimum payments!
That's when I decided, I need to change. Change what? Change jobs to earn more money? But the job I am in now is paying the right scale of salary. Plus, it is an MNC, the benefits are unbeatable.
Change the way I spend?Ok, but what about the current outstanding I am suffering from now?
I tried a few things. I blogged, and get paid for it. I sold some of my things. I helped my sister with setting up her online clothing business. I get paid with setting up blogs. I did telemarketing part time. I did data entry part time.
And now, after about 1 year being in the circle of entreprenuership, I have no regrets. I would recommend anyone who has the motivation to want to change their lifestyle, or simply pay off their outstanding debts. To move on to financial Freedom.
You can too....
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