Are You Ready For Your Credit Card Bill?

Guess what guys? It’s credit card bill time. Are you looking for advice on how to pay off your credit card bill?

I’ve already received my credit card statement for the month of December in the mail. Most people will be receiving their credit card bill very shortly. This means that there will be many depressed 20-somethings.

Instead of writing about paying off debt, I wanted to try something a bit different today.

I have listed a few questions you can ask yourself and hopefully answer here in the comments section (you can also email me, both work), or keep to yourself, about your credit card statement. This will help you decide if using credit cards is in your future.

Do I have the money to pay off this credit card bill?

Will this credit card bill be paid off in seconds by transferring money from your online banking account? If yes, then you’re going to curse while you transfer over your hard earned money.

The good news is that once the payment is made towards your credit card statement you won’t have to worry about credit card debt creeping up behind you. The bad news is that if you don’t have the money in your bank account, the credit card bill will now begin to accumulate with your other debt.

Can you handle this extra debt? As fun as it is to spend money, it’s just as horrible to pay this money back when the time comes for it.

Do you have a plan for how to pay off your credit card bill?

Will this statement put you further into credit card debt?

January has been proven to be the most depressing month. I’m positive that credit card bills have a lot to do with this.

It’s a little ironic because the euphoria that comes with finding that perfect gift for your parents/anyone-worth-buying-for is unparalleled. Then you get your credit card bill a month later and you feel like you hit a brick wall. The holidays are over and now you must deal with all of the money you spent on those perfect gifts/deals.

How did I do this year compared to last year?

The time from Thanksgiving all the way until Christmas is when we traditionally spend the most money. Since you’re reading a personal finance blog, chances are that your goal is to eliminate useless spending and save more money. However, I can’t lie to you guys, I went all out this Christmas and spent more money than ever before. How about you?

For those of you without a credit card, you won’t have to worry about receiving your credit card statement in the mail in the next few days. For everyone else, let’s hope the credit card bill gets lost in the mail. Hopefully at this point, you’re not nervous about how to pay off your credit card bill.


  1. Edwin says

    Good questions to ask but if someone goes too hardcore down this line of reasoning, they risk leading an extremely mundane life because they aren’t willing to spend money on anything beyond the necessities to survive (house, transportation, food, clothing).

    There needs to be a balance between good personal finance and enjoying life.

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