A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

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    ~Suze Orman

    Back in college, I fell victim to the credit card, ultimately fell into debt for the first time. At that time though, I wasn't very responsible with paying off the money I had technically borrowed. A few years later, I got a letter in the mail from a collection agency. Turns out you can't just forget about paying creditors back. They don't go away.

    Instead of ignoring that letter, I worked on paying that credit card off, which began the process of rebuilding my poor credit, and much like learning anything else that I do, taught me about better money management. Before I moved to Canada, I was beginning to see what having a good credit score was all about. I was being approved for all kinds of things, including of course, more lines of credit.

    I'm also embarrassed to admit this, but I've fallen back into the hole that I had dug myself out of years ago, but this time, it's a deeper one. Being off work for all that time, and other things happening (like getting my house broken into) caused me to use that credit to cushion my family's life just a little bit. Yes, I know it was stupid. The positive thing about it, and the main difference from the first time, is that I'm paying these bills. It's also one of my new phobias: missing a payment to a creditor. I had set a New Years resolution to pay off those cards, but life again had to come into play.

    The one thing that I know for sure is, and learned another lesson here, I want to be rid of these things forever. Yes, I still want to hold onto one, and use it for minor purchases, just to keep my score up, but I miss the time where my head was actually above water and I was enjoying the money I was making instead of now sending it off to someone else.

    bizzmiss, amyb88, 168hourssubscribe, and 38 other people added this photo to their favorites.

    1. lalapapawawa 64 months ago | reply

      Consider sharing this pic with us... www.flickr.com/groups/beatingdebt

    2. KDayrit 61 months ago | reply

      Thanks for uploading this under Creative Commons license! I've used this for an article entitled The Benefits of Debt Negotiation: Four Reasons to Incorporate it in Repayment Plans. If you click on the thumbnail below the article, you are credited as the photographer and it links to this page.

      Thanks again!

    3. Eric123123 55 months ago | reply

      Hi, I really loved your photo. I'm currently using in a new piece in my blog with attributing you as the photographer and linking back to this page.

    4. nathansbowman 53 months ago | reply

      Hey great photo! Thanks for adding to the CC! I'm using it for a blog article I wrote about mistakes people make with their money. You can check it out here if you'd like: www.commoncentssaving.com/?p=400

    5. rightstartlending 52 months ago | reply

      Hi there, great photo and thanks for sharing. We used it on our credit card debt relief blog.


    6. afang2004 51 months ago | reply

      This is an amazing shot. If it is okay, we used the image on one of our articles on credit card processing at


      Thanks a lot!

    7. Mandi Ehman 49 months ago | reply

      Thank so much for making this available under Creative Commons. I used it in a post here: finances.yourway.net/simplify-your-life-by-paying-off-debt/

    8. JoshHeckathorn 42 months ago | reply

      Thanks for the great pic! We used it on our blog here: Which Debt Should I Pay Off With a Balance Transfer

    9. jessicalstreit 38 months ago | reply

      Thank you for making this available with the Creative Commons License. I have used it in a post at The Debt Princess

    10. Wiley Asia Blog 22 months ago | reply

      Hello, thank you for uploading this image under the Attribution CC License. We would like to use this in an upcoming Facebook post. Once live, URL will be: www.facebook.com/photo.php?fbid=680842031932445&set=p...

      If you have any concerns about this, feel free to message us via FlickrMail of wileyasiablog.com. Thank you.

    11. hope.uggen 9 months ago | reply

      Thanks for using creative commons! I've used your photo to help illustrate an article on the open-access social science website TheSocietyPages.org. You can see the article here: thesocietypages.org/specials/andrew-ross-on-the-anti-debt...
      Thanks again!
      Hope Uggen

    12. Light Made Liquid 8 months ago | reply

      Thanks so much for licensing your picture under creative commons. I used it here: www.goldbachlaw.com/blog/2014/07/23/is-it-time-to-declare... with proper attribution. Thanks! Tryst

    13. katscanphoto 4 months ago | reply

      Thanks for making this photo available under CC. I used it in a page about teenagers and money management: www.natalonipediatrics.com/teen_mind.html

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