Some people have a negative attitude about money even though managing personal finances benefits family and the overall society. According to a recent piece by time.com, there are 10 characteristics of people with zero debt. When you get Christian credit counseling, you might not adopt all 10 habits immediately, but you begin a transformation that results in a debt-free life. By consolidating credit debt and enrolling in a debt management plan with the help of a trained Christian credit counselor, you people more like those people who seem to have complete control of their finances. The article by time.com points out it is never too late to achieve financial freedom, which is the goal of the accredited counselors at Christian Credit Counseling. While there is no one trait that makes a person financially successful, there are several characteristics of debt-free people worth adopting.

Becoming more detail-oriented

One positive characteristic of people with a positive relationship with money is attention to detail. With Christian credit counseling, you pay attention to every penny that you spend. You know exactly how much you’ll owe each month for a debt management plan payment to creditors and how much you’ll have to spend on different bills and priorities.

Earning dividends instead of owing

People who owe a lot of money in credit card debt sacrifice future earnings. When you consolidate debt as part of credit counseling, you lower the amount of money you owe in interest. With the money you save, you can invest so that you earn dividends, profits or interest for a wealthier future.

Making practical decisions

Experts say people who are prudent with money are pragmatic. They avoid brand names to save money. They aren’t interested in impressing others.

Other important debt-free habits include living within your means or becoming more self-reliant and believing in personal responsibility. When you enroll in a debt management plan, you take responsibility for your credit card debt. Through Christian credit counseling, you pay back your creditors as part of the debt management plan. Although the pursuit of material possessions is not inherently evil, debt-free people tend to live simple lives that don’t require material excess for happiness.

At Christian Credit Counselors, we don’t judge our clients. Rather, we provide a safe and positive place to receive debt counseling and other education and services. We help people get out of debt quickly and with no stress. For more information about Christian credit counseling and how it can change you life, please contact us.

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