It’s Time to hit the Reset Button
Have you ever made a mistake in life? If you even tried to respond in the negative to that, you are just trying to fool yourself. After all, we all do something that is a little dumb every day. It is a sad fact of the human condition that we all make mistakes, and will continue to do so for as long as we do anything more complex than breathing. And as any dead person could tell you, even that can occasionally malfunction. So, it really comes as no surprise that we sometimes make little mistakes when it comes to our debts, and how we use credit in our lives.
It is all too easy when a cute little credit card arrives in the mail to simply think of it as a way to have “extra cash” at the ready, whenever you want it. And when the balance on the card is pretty large, and the payments start to back up a little bit, a payday loan might seem to be the best possible solution to your short term problem of not having enough money. Unfortunately, rather like when you give a mouse a cookie, taking out one loan can turn into a whole bunch of messy debts that you will be responsible for cleaning up.
This is why Debt Consolidation is such a beautiful thing. While it is not the best solution (which would have been having more careful control over your spending in the first place), consolidating your debts into a reasonable, single payment can be the way to “hit the reset button,” and move past the debts that could haunt you for years and years otherwise. The fact of the matter is, you have to pay them back. But you can do so in a controlled way that lets everyone know that you actually will be held accountable for your actions.
