Why Strike Debt

Debt. Housing. Education. Healthcare. Consumer. Municipal. Debt

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Credit Card Debt is the work of the Devil

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It didn’t take very long for me to realize that credit cards are a bad thing and that the only way to end the payments is to stop using the card and keep paying them off. But in college they give out credit card applications out like candy. Seriously. Here’s a free Tshirt if you fill this out.  And sure I made mistakes and in 2009 I finally payed off my credit cards by working hard, living frugally and sending double payments every month.  And here is what I mean by frugal: no cable, just internet and netflix instant play. No new clothes, just Goodwill. Dinner out? Only once a week or less, cooking from scratch the rest of the time. Decreasing how much I spend on disposables, using cloth diapers. Buying in bulk, using powdered milk, bartering with organic farmers for fresh produce. Paying for a weekly subscription to an organic farm for a year’s worth of food with my tax return, breastfeeding my two children for their first year. Up-cycling old things, like making a purse from an old worn out pair of jeans, crocheting rag rugs. I drive a 12 year old Saturn that has been payed off for a very long time. Christmas gifts have been about 75% home made for the past 4 years. Don’t be afraid of inconveniences, do the extra work to avoid the expense, conveniences are seldom worth it. Here’s my motto: “Use it up, wear it out, make it do, or do without.” 

But I realize I’m the exception to the rule, and that many of those options I had would not have been possible without a supportive family. I don’t actually believe in “the devil” but when ever anyone in a store tries to offer me a credit card I say, “NO, credit cards are the work of the devil.” And every time I get a smile.  And here is one last quote for you to ponder “The best things in life aren’t things.”