Every new year is the same – I look back over the past year, think of my worst habits, and try to get rid of them the next year.
Last year, it was to stop overeating and start going to the gym more. Surprisingly, I succeeded at both with a little hard work - I've stopped snacking all the time and started fitting the gym into my schedule.
However, even though I took strides to improve my health, I kept some of my bad habits last year and managed to fall into debt. The only reason I'm hopeful I can resolve my financial solution is Pacific Debt.
This is the year I'm going to get rid of the habits that are stopping me from living a full life. Here are three bad habits to kick in 2020:
1. Drink more water
This one is simple but so important. Last year there were so many occasions where I noticed I was feeling super dehydrated. I always used to forget to drink water, and it gave me headaches and made getting out of bed torture some days. This year, I've bought myself a stainless steel water bottle, and I plan to drink at least two of them throughout the day, every day. I've managed to improve my diet, so this is another thing I can do to keep improving my overall health.
2. Stop overspending
Last year was a tough year for me financially, and I racked up almost $15,000 in debt. This year, I plan to stop overspending and continue to pay off my debt. When I realized how much debt I was in, I panicked and thought I'd never get myself out. Thankfully, I came across a debt relief service called Pacific Debt, which helped me massively.
All I had to do was fill out a quick questionnaire online, and after I was pre-approved, I had a one-on-one consultation with a debt specialist. Once enrolled, my personal account manager contacted my creditors and negotiated the debt down on my behalf. They managed to reduce my payments by almost 50% (!!!), and I no longer feel overwhelmed by my debt. Now all of my credit card bills have been consolidated into one manageable repayment, which has made my life so much easier.
3. Stop procrastinating
I have a problem where I tend to avoid things that I don't want to deal with until the last minute. We're all guilty of it! I used to do it with my college assignments, and that's exactly what I did when I got into debt last year - avoided it. But that got me nowhere. If only I had known about Pacific Debt sooner! So this year, I'm going to learn from my mistakes and stop procrastinating and start facing things head-on.
This year my main goal is to tackle my debt, and thanks to Pacific Debt, I think it might actually be possible. I never realized that debt negotiation could reduce the amount you owe and not just the interest rates.
Pacific Debt has helped me see a finish line in paying off my debt and has allowed me to have a more positive outlook on this coming year. I'd recommend Pacific Debt to anyone who has concerns about paying off their debt.
Debt can be a huge pull on moving forward with your life, so if you have any other concerns, Pacific Debt can answer all of your questions for free. The first step in the debt settlement process is to have a free phone consultation. Give them a call at (844) 997-0475 to see how they can help you.