Many of us carry financial debts, big or small.

The expectation is that you are actively working to pay it off – to settle that debt as soon as possible.

However…..if you have many debts and you choose to  only pay the minimum balance each month…never really intending to pay it off….

….then you are essentially a THIEF.

That’s right, I said it.

You took something without really paying for it.

You went into an agreement saying “I don’t have the money now, but I really want this now.  So if you lend me this money now, I will pay you back for it.  I promise.”

But when it came time to pay them back (a credit card company, a bank, an actual person), you didn’t.

Any debt you have means you owe someone.

Get your act together, and find a way to start paying them back.  Honor your promise.

You owe it to yourself.