Does this picture remind you of something?
It does me!
This was how I looked at credit when I graduated college. I thought, since I can afford a $700 a month payment, I can spend $70,000.00 (assuming a 1% payment minimum).
Thankfully nobody gave me that high of a credit limit!
I did get a $20,000.00, $12,500.00, and $900 limit though. Needless to say, when the credit companies started calling, my credit world came crashing down quite fast.
Yes, I was dumb enough to fall into this ’spend now, pay later‘ trap… but luckily it was early enough in life to fix it!
I have heard horror stories of elderly people paying on debts still owed, and I am determined to not add to that unfortunate tally. I thought to myself, after all my mistakes… how could I possibly escape the collector’s calls?
Ask for help, of course!
(I currently pay off about $125.00/mo above the minimum payments, so the calls are now less frequent. Thank you!!!)
I could not ask people to give me monetary donations, as I have shown that I am completely unreliable in being financially responsible. Why should someone else pay for my mistakes?
So, if I am not asking for your money, how can you help?
This site’s ‘Donation’ page is a compilation of “free trial” offers that will give referral commissions whenever someone signs up for their offer. The way this works is, you sign up for an offer (to say, GameFly’s 7-day free trial of it’s video game rental service). GameFly will then send me a referral bonus. These referral bonuses become a monetary contribution that I use to pay off my debt, but I am hoping that you will get something out of it as well, such as free trials or great offers! (this way you get more than just feeling good)
Clip art courtesy of DailyClipArt.net
