Credit cards are wonderful things when you are spending on them, but they soon become your biggest headache when the bills come in. Much of the problems around credit card debt are what having those bills does to your mind – the worry, the sleepless nights, the stress on relationships. If you could change your mindset from this negativity to a positive one, by which you feel in control of your debts, and positive about what the future holds, what would you be prepared to do to achieve it?
The natural reaction for many people when their credit card debt gets out of control, is for them to bury their heads in the sand and hope it will all go away – I know, I’ve done that! You go from month to month only looking at the bills to see if there is enough money left on them to go on a shopping spree to cheer yourself up, or down to the pub to drown your sorrows. As we all know, this is not the way to handle your credit card debt and give you the positive mindset towards them that will allow you to sleep at night and get rid of those headaches.
So how do we handle the credit card debts? Turning our lives upside down, budgetting and calculating, going without those loved things, is not going to help us feel positive about those debts, you are just going to resent them even more. The key to handling the debts is to initially take small actions towards paying them off, which do not cause you big pain. These actions are not so much geared towards making big differences to your debt but more towards making big differences to your mindset. You see, once you can get your own mind on your side, feeling positive and determined, you will be in a great position to make the sacrifices required to really make a difference to those debts.
When I feel negative towards something, when it is bothering and worrying me, I find it very hard to focus on anything but the worry, and hence tend not to take positive actions towards sorting out the problem. On the other hand, when I feel positive towards something it makes me want to achieve, I feel energised and determined. Are you the same?
The problem is you cannot just flick a switch inside you to change your mind from the negative to the positive. Also, if you feel negative towards something you will look for anything which supports the validity of those negative feelings. So will calculating how much you owe, budgetting and doing without things support negative or positive feelings? For me it just makes me think “What am I working so hard for when I have to go without so much?” I know I created the debts so only I should suffer for them, but it doesn’t stop me thinking that way!
So for me, handling credit card debt is not about facing it and making myself feel even more negative. Handling credit card debt is about doing a little something to improve the situation, which will not effect my life significantly, and hence not magnify those negative feelings. Then, as the results of that little something start to show your mindset will become more positive. As this positivity grows you will want to take bigger and bigger actions towards your debts, at this point you really will be handling them!
So take your first little step TODAY to start handling those headache creating credit card debts, pay a little extra off, but don’t make it hurt too much. And if you really want to handle those debts faster than you thought possible, check out my very simple system, “How to Pay Off Credit Card Debt”, available on Amazon.
“How to Pay Off Credit Card Debt – With No Pain and Big Gains” is a system for paying off credit card debt which focusses on changing your mindset towards your debt and allowing you to pay off the debt without it affecting your lifestyle. Get your copy from Amazon, available in both paperback and kindle format, or click on the link to your right.
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