Persist And Work Hard On Credit Card Debt Elimination For Debt Free Living Goal

It’s a relief to be told that I can achieve debt free living in 3 to 5 years if I keep on with my credit card debt elimination goal. Never ever give up or stop half way. Persist and work hard until I eliminate all my credit card debts and enjoy debt free living.

I created my credit card debts with my own irresponsibility, therefore I need to be willing to work and sacrifice in order to pay off the debts.

Of course, there are times when I feel like giving up, especially when my expenses surpass my income. What do I do? I keep telling myself — Adversity Leads to Growth. This is a great opportunity for me to learn to get out of debt and eliminate financial stress.

And work harder or longer to increase my income. With my current income that is less than $1,000 per month, I have to skip certain credit card payments.

What about expenses like meals, grocery, fuel consumption, utility bills …? They are under control. Meals – less than $300 per month, fuel consumption – less than $60 per month, utility bills (Water, electricity, cell phones, Internet connection) – less than $95 per month.

Should I further cut down the expenses? Or perhaps increasing my income is more practical, isn’t it?

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