Making the right decisions is intrinsic in your ability to enjoy the life style you’re trying to set up for yourself. One wrong choice can leave you in a lot of pain for days, weeks or even years in a worst case scenario.

Think about every decision you make that can have short and long-term consequences. Think that for every action you take, there’s a reaction, be it positive or negative.

Take for example the decision not to pay a bill. Whether you’re on your high horse and have determined you shouldn’t have to pay or you are struggling with keeping afloat. The decision not to pay a bill can have repercussions that spans years. The cost of a default is 5 years of bad credit history- That hurts. I know, I’ve done it. For the past 4 something years I’ve not been able to set up a phone account that requires a credit check, have not been able to apply for a loan- House or personal, can’t get a credit card to be utilised to improve my credit rating (Yes this can be done) and I can’t do anything -anything- at all that requires a credit check or credit history check.

Quite literally, if you have a bad credit rating- You’re buggered in terms of setting yourself up. A personal loan would of solved the majority of my current dilemmas, as well as compile all my financial issues into one manageable sum.

The choice not to pay a bill has had some massive repercussions.

This extends to area (choosing where to live), employment (choosing what job and how much salary to expect and accept), friends (drama and unneccessary stress versus level of support) and social decisions (choosing when to go out and spend, versus when to stay in and harbor the funds).

Making the right choices is everything when you don’t have a viable support network there ready to catch you when you fall.

Be careful, plan your decisions on paper, and make sure you keep all your debtors in the loop on what you intend to do.

Also, sorry on the brief hiatus. Life get’s a little hectic in the rental setting yourself up world!

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