Sometimes, I feel like puling my hair out every time I have to deal with my credit score not supporting my financial needs. Cash advance would give e a few hundred dollars to help pay the bills, but it ultimately would end up hurting me until I know for sure I will have the means to pay it off on time. I can’t get a bank loan, I pray that my vehicle stays running smoothly and put lots of faith that the financial crunch I am experiencing now will eventually make my future finances stronger. Just because I have moved on and have forgive the family member who took advantage of my kindness, it doesn’t mean that I will get the same in return. Do I really have to be punished for seven years for something I didn’t see coming? It seems like a lifetime go, but since the credit bureaus keep track, it has not been long enough to fall off my report. So I continue to live it.
I can try to blame others for my debt piling up so quickly, but no matter what excuse I come up with, the ultimate price to pay is mine alone. My name, my credit, my financial doom. I don’t want to become cold and say I will never help out a family member again, but I will definitely think long and hard before I open up my credit for someone else to use.
In the end, I work diligently to increase my credit score. I know it will take a few more years for some of that bad to fall off and in the meantime I accept the past and strive to prevent future problems.
Cash advances and pay day loans are not solutions for my financial problems.
It’s good to understand the problem in order to find an appropriate solution. An opportunity for fast cash will give me more freedom within the week’s money demands, but it will also mess up the budgeted costs for my next paycheck. So I hold off and try to solve my issues another way. I like to cut back when I am feeling that crunch. For me, if I am trying to get rid of debt, the last thing I want to do is create new debt. Opening new credit cards or taking out an online cash advance will only burden me later, cutting costs will help me now.
Learning from mistakes is one of the strongest educational tools you can find. Science methodology is driven by trial and error. I have made errors with my finances and I will use that mistake and it’s results to strengthen my efforts in the future. I want to be able to stand on my own and not rely on cash advances or credit cards in order for my expenses to be managed.
I have just a few years left before my credit score will begin to bounce back on its own. It will take lots of hard work to keep any new negatives off it it. But having lived with the consequences of poor financial decisions from the past, I am more determined to make my future finances successful.
