Trying to Pay Off Debt? Should You Stop Using Credit Cards?

In today's episode of 'Ask Ralph,' Ralph guides viewers through the next crucial step in overcoming debt, ceasing the use of credit cards. Building on the previous day's task of listing out debts, Ralph emphasizes the importance of stopping new debt accumulation by temporarily or permanently switching to debit card or cash use. He discusses the psychological and practical benefits of this move, such as improved budget adherence and reduced dependency on credit. Ending with a prayer for strength and discipline, Ralph encourages viewers to make this decisive change today for a more financially confident future.

Read today's blog article:
https://www.financiallyconfidentchristian.com/blog/ditch-the-plastic/
https://askralphpodcast.com/stop-using-credit/

00:00 Introduction: Facing Your Debts
00:21 Welcome Back to Your Daily Ask Ralph
00:42 Understanding the Debt Cycle
02:41 The Radical Solution: Stop Using Credit Cards
03:52 Taking Action: Ditch the Credit Cards
05:27 Prayer for Strength and Resolve
06:14 Conclusion: Empowering Steps Forward

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