In Hindsight

In hindsight there is a lot I could have done. I could have switched my cards to a lower rate. I could have applied in person for a consolidation loan and asked an actual person to consider my situation and not a computer. I could have traded in my new car for one much cheaper. I could have cut up my cards instead of using them as soon as they had available credit. I could have told my family what was wrong. I could have even got a quote on cheaper car insurance. Instead I suffered in silence an inaction. And believe me, I did suffer.