debt consolidation
And since the circle continues, I start looking more and more into zero percent annual percentage rate balance transfers, more credit cards with low introductory APR, and so forth. As if I am not able to take an active approach and say, “I am not going to spend more until I earn more”, but, rather, just follow my desires, spend, and then resort to more and more debt consolidation. You feel powerless. Powerless in front of your own desires, lack of strong will, or whatever else that be. It is as if money indirectly, is a magnet that if you do not spend it, then you feel as if you missed something in your life. For a long period of time, I was not able to understand why a lot of times, women, especially, resorted to shopping therapy. I mean, I could not even understand what shopping therapy was. Now, having gone through some stressful moments in my life, and having experienced what those women usually experience (as I think), I understand that sometimes…in my case, often times…shopping therapy is really part of a huge vicious circle, where stress over lack of money and too much debt causes me to act unwillingly and resort to shopping therapy, spending more, getting more into debt. I realize, sometimes, debt is unavoidable, like, urgent car repairs, certain necessary travel, education, and so forth. However, when it is avoidable…again, how can I define “avoidable”? Is shopping therapy avoidable? Or, are the consequences of not resorting to this type of “treatment” worse…Do they cost more than the therapy itself? Or, is shopping therapy even therapy? How therapeutic it is? Is it more therapeutic than bill consolidation itself? And is debt help, like bill consolidation, even help? I wonder, frequently, what debt help does. I am sure that the obvious benefit is that it creates some sort of control in a person’s life – the person knows exactly how much he or she is going to be paying per month for all the incurred expenses. But a bit lower payment, is that control? Or is that another burden that, instead of being spread out is just all at once, consolidated?