She Strengthens

Breaking the Cycle of Credit Card Debt

My journey with credit cards began when I entered college, and I’m not alone. The temptation of easy credit can be overwhelming, especially when you’re trying to navigate the challenges of higher education. I thought I was being responsible by keeping my first credit card for emergencies only, but it didn’t take long for it to become a crutch.

The Slippery Slope of Overspending

At first, I managed to keep up with my balance, paying in full each month. But as time went on, the payments became less and less manageable. I was working full-time and attending classes, but my credit card quickly became a way to supplement my income. I was barely keeping my head above water, and my credit card debt was spiraling out of control.

A Creative Solution

One day, I stumbled upon an unconventional solution: freezing my credit card in a container of water. This simple trick forced me to think twice before making impulse purchases. With my credit card safely tucked away at home, I had to wait for it to thaw before I could use it. This brief delay gave me time to reflect on whether the purchase was truly necessary.

A Lesson Learned

Although this trick worked initially, I eventually fell back into old habits. I realized that I needed a more permanent solution. I cut up my credit card, set up a payment plan, and vowed to avoid credit cards until I could be more accountable.

Looking Back, Moving Forward

Nine years later, I’m still climbing out of debt, but I’ve learned valuable lessons along the way. I’ve opened a new credit card to rebuild my credit, and I’ve implemented stricter financial habits. I’ve put my recurring bills on autopay, and I pay off my balance in full each month. If an emergency arises, I’ll thaw my card, but for now, it’s staying frozen.

Taking Control of My Finances

I’ve come a long way since my early days of reckless spending. I’ve started a 401(k), and I’m planning to purchase my first home in the near future. I’ve also become more mindful of my financial weaknesses and actively work to overcome them. If you’re struggling with impulse purchases, I highly recommend freezing your credit card. It’s a simple yet effective way to break the cycle of debt.