You feel like you’re on your way to pulling yourself out of credit card debt. You’ve taken some preliminary steps that you know will help.
And you believe you’re in the right frame of mind. You even researched how to consolidate debt. But you know something is missing. You know there is one last thing you must do to get your finances going in the right direction. And you also know it won’t be a pleasant decision.
You’ve come to the realization that you must learn to use the word “NO” more often with family and friends. Like no I can’t go out tonight because my budget doesn’t allow it. And no, we can’t buy that this month because it will put us further in debt.
But making a clean break from our usual routine is a big step for many of us. We don’t want to abandon our everyday duties and regimens because we are so accustomed to doing them.
We get into a certain comfort zone and it’s hard to step out of it. Even when we know that we should be trying something else to better ourselves and our finances.
It’s human nature. And we are all guilty of it.
Your Relationships May Be Contributing to Your Debt
What stops people from doing something else might not be entirely because of what they want to do. The truth is, the people around you might have a hand in it as well. You might continue doing the same things that harm you and your finances because of other people’s influences.
This is a big problem for people that shouldn’t be using their credit cards for unneeded purchases.
As a good example, think about all the times you go out with your friends or coworkers just to please them. Even though you know you shouldn’t be spending money right now because you’re trying to get out of debt.
If you have kids, you might have a hard time saying no to them whenever they ask you to buy something for them. And this is where you need to start stepping out of your comfort zone as a people pleaser and start making the prudent choices.
It might not feel good at first, but if you explain the situation or come up with some logical reasoning, others will understand. Just let them know you’re battling debt and need to save.
They may not like it at first, but they will eventually come around to what you are doing and what needs to be done for your finances.
Do What You Need to Do…
Personally, when it comes to saying no to a night out with friends, I’ve made up tons of excuses for not being able to make it. And those are the things you must do to get your finances back in the black. Because when you owe other people too much money, the last thing you should be doing is spending money you really don’t have.
So you have to be aware of the influences around you. And you should be avoiding situations that will make it harder for you to stay disciplined with your money. You may think that debt consolidation through a legitimate company will allow you to keep the party rolling, but it won’t help you in the long term.
With time, you can really learn to master the art of saying no. The other people in your life will also become accustomed to it. But if you always give in to their demands, then they will come to expect that of you. You need to start this progression as soon as possible.
Start giving out signals that you won’t be doing certain stuff anymore. Your friends, coworkers and family members will slowly start to respect your choices and they will start adjusting to it. Saying no sure beats owing other people money.
You always have the opportunity to seek help from sites such as http://allstatedebtconsolidation.com/ to give you the push you need to get the job done.
They can help you search for an organization to meet your needs whether it’s debt consolidation or just some good, old fashioned advice about money.