theduchess99

I never saw the two as one. But once I started to be one time, people actually respected me more and I realized that by being late, I was actually disrespecting them. So this goal is worth doing. You will definitly feel much beter about yourself, and others will see you in a better light too.

over the past 7 years I have paid off about 17 credit cards. It is the most liberating thing you can do. I had to step back and look at why I would pay off a card then get another one. I was in deep denial about the way I was living. Now between my husband and me we have 2 car payments, 3 credit cards, a personal loan and a student loan. It seems like alot but we are on our way to becoming debt free!!

But when I make the time, afterwards I am really grateful that I did.