Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph, Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, only to swipe that card again days later. It’s frustrating, discouraging, and often rooted in good intentions but faulty habits. Ralph explains why stopping the use of credit—temporarily or even permanently—isn’t extreme; it’s a faithful, practical move toward freedom. If you’re serious about breaking free from debt, it may be time to face your debt and stop feeding it.

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You’ll learn how to take one bold action step today: physically removing access to your credit cards and switching to debit or cash only. Ralph walks through the emotional and spiritual layers of this decision and offers biblical encouragement, accountability, and prayer for strength. This isn’t about punishment—it’s about peace. You can do this, and it starts with saying no to new debt so your plan can finally work.

Chapters:

• 00:12 - Confronting Debt: A New Beginning
• 01:25 - Understanding Debt: A Burden to Bring to Light
• 02:07 - Facing Your Financial Reality
• 03:48 - Facing Your Debt: A Path to Hope
• 06:11 - Beginning the Journey to Financial Freedom
• 06:44 - Facing Financial Facts: The Next Steps

• Debt is like that annoying friend who just won't leave you alone, right? Seriously, it lurks everywhere!
• The first step to financial freedom is shining a light on your debts. Bring those numbers into view!
• Harboring debt creates stress, fear, and shame—it’s time to face it with courage and clarity!
• Creating a master list of your debts is the bravest thing you can do; it’s the start of your comeback!
• You can't fight what you refuse to face, so let's get honest about what we owe and who we owe it to!
• Remember, what's brought into the light can be healed in the light—so let’s tackle those debts together!

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