Free At Last

My friend called me this morning to tell me that finally she’s free from all debts on her credit cards. I remember when she was crying to me telling me that she had no discipline in using her cards and that now she’s in debt and doesn’t know what to do. I told her that for a start, she should stop using her credit cards and start paying them off. She did that and she also called her bank to have a credit card debt settlement and come up with a solution for her to be able to pay them and at the same time she won’t get bankrupt. Looks like it worked since she’s now debt free!
I remember I was once in the same situation as hers and thank God I was able to settle my bills. With the result of that, I decided I don’t want to use a card anymore but instead use a debit card whenever I buy items. :)

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