Some people pay down their credit cards only to go out and charge purchases again. Whether you aren’t ashamed to admit you overspend or feel guilty about debt you acquired due to unfortunate circumstances outside of your control, there are solutions with credit counseling. According to an article by, you can retrain your brain to cut debt and build wealth. By meeting with a trained and accredited credit counselor, you will learn insights into your financial behaviors.

Avoid mental accounting

One of the bad financial habits people in debt often have is the tendency to think they have more money than they really do. It’s easier to spend with a credit card as opposed to cash. When you run out of cash, you know you can’t spend anymore. With a credit card, your limit is your credit limit. Unfortunately, most people can’t afford to pay back their debt. With credit counseling, you learn to create a budget that will hold you accountable. The numbers have to add up on paper before you can freely spend money. With a Debt Management Plan, you know exactly how much you need to allocate to pay back all your creditors each month. The next time you get a tax refund or small inheritance, you’ll use the money for financial goals instead of spending it all.

Getting the help you need

Some people hate to admit they need help. But some of the most successful people in the world admit they aren’t the smartest, but they enlist the help of people who are smarter than they are. According to, people with decision paralysis or those who fail to take action often end up in even more debt. One big step you can take to solve your financial dilemma is to meet with a credit counselor to talk about debt consolidation. You don’t have to have any financial expertise or negotiation skills because the team at Christian Credit Counselors gets you a lower interest rate on your debt.

Making small changes

Another financial insight you will receive through credit counseling is the fact that small changes make major differences. It works the other way as well. If you make small charges on your credit cards, it snowballs into a more debt than you can handle. The challenge is to confront your debt. While paying off your credit card debt, medical bills and other unsecured debt through your Debt Management Plan, take small actions to build wealth. Start putting even $10 a paycheck into a Roth IRA. Let your company take even 3 or 4 percent of your paycheck for a 401(k) plan. Also, start cutting expenses a little at a time.

Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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