Ever felt like your credit card is this sneaky little gremlin in your wallet, whispering sweet nothings while it drains your bank account? Today, we’re diving into the true cost of credit card debt and how it could be secretly sabotaging your financial future. If you’re feeling trapped in a storm of plastic and interest rates, stick around! By the end of this episode, I promise you’ll have some practical steps to break free and find financial peace. We’ll talk about hidden fees, credit scores, and how to manage your debt the good ol' way—God’s way. So, grab your favorite snack, kick back, and let’s tackle this together! Is your credit card costing you more than you think? Let’s find out.<a href="https://www.askralphpodcast.com/blog/how-fast-is-credit-card-debt-hurting-you/" rel="noopener noreferrer" target="_blank">Read today's blog article</a><a href="https://rumble.com/v6qne2k-is-your-credit-card-costing-you-more-than-you-think.html" rel="noopener noreferrer" target="_blank">Check out the full podcast episode</a>Got credit card debt nipping at your heels? You’re not alone! This episode dives deep into the sneaky ways credit cards can mess with your finances. Picture this: it’s like having a tiny voice in your wallet, whispering sweet nothings about instant gratification while secretly draining your bank account. Ralph Estep Jr. breaks down the real cost of credit card debt—it's not just about the numbers, it’s a whole emotional rollercoaster. From hidden fees to credit scores, we cover all the bases, ensuring you leave with practical steps to reclaim your financial peace. If you’re feeling overwhelmed like our listener Cora, who shared her struggle with anxiety and debt, tune in to discover that there’s hope. We’ll explore how to manage your credit card debt in a way that aligns with your values and faith. Buckle up; it’s going to be an eye-opening ride!Podcast Timestamps:00:00 Episode Overview02:47 Listener's Question: Cora's Struggle with Credit Card Debt04:30 Bible Verse: Romans 13:8 05:05 Today’s Gratitude Statement05:46 The Cost of Debt: Meredith’s Wake Up Call07:27 Understanding the Psychological Traps of Credit Card Use11:32 Credit Scores17:31 Practical Ways To Battle The Psychological Factors Of Credit Card Use22:32 Practical Ways to Get Back on Track24:58 Call to Action: Visit <a href="https://askralph.com/" rel="noopener noreferrer" target="_blank">https://askralph.com/</a> to Book a Call With Ralph25:22 Join the Ask Ralph Newsletter <a href="http://askralphpodcast.com/newsletter" rel="noopener noreferrer" target="_blank">http://askralphpodcast.com/newsletter</a> for Daily Encouragement & Financial Tips!26:58 Reflection Questions28:37 Mail Bag: Listener Feedback and Encouragement29:37 Share Your Story With Ralph! Email Ralph Directly At <a href="mailto:ralph@askralph.com" rel="noopener noreferrer" target="_blank">ralph@askralph.com</a>30:03 ClosingTakeaways:<ul><li> Credit cards can feel like sneaky little voices, tempting you into debt while promising ease. </li><li> Understanding the real cost of credit card debt is crucial for your financial health and future. </li><li> To escape the credit card trap, practical steps are essential for achieving financial peace and control. </li><li> Recognizing the psychological factors behind credit card use can help you manage your spending better. </li><li> Setting clear financial goals and tracking your expenses can help curb impulsive credit card use. </li><li> It's okay to seek help from a financial counselor who aligns with your values and beliefs. </li></ul> Links referenced in this episode:<ul><li>Ask Ralph Newsletter for Daily Encouragement & Financial Tips! <a href="http://askralphpodcast.com/newsletter" rel="noopener noreferrer" target="_blank">http://askralphpodcast.com/newsletter</a>&nbsp;</li><li>Ask Ralph Blog&nbsp;&nbsp; <a href="https://www.askralphpodcast.com/blog/" rel="noopener noreferrer" target="_blank">https://www.askralphpodcast.com/blog/</a>&nbsp;</li><li>Support the Show <a href="https://askralphpodcast.com/support" rel="noopener noreferrer" target="_blank">https://askralphpodcast.com/support</a></li><li>Ask Ralph Insiders Community <a href="https://mailchi.mp/askralph.com/group" rel="noopener noreferrer" target="_blank">https://mailchi.mp/askralph.com/group</a></li><li>Ask Ralph Show Live <a href="https://justaskralph.com/" rel="noopener noreferrer" target="_blank">https://</a><a href="http://askralphpodcast.com/live" rel="noopener noreferrer" target="_blank">askralphpodcast.com/live</a></li><li>What is your question that you would like to ask Ralph? Send Your Question here:<a href="https://justaskralph.com/" rel="noopener noreferrer" target="_blank"> https://justaskralph.com/&nbsp;</a></li><li>Join our email list and get a free copy of "Mastering Your Finances" at<a href="https://askralph.com/" rel="noopener noreferrer" target="_blank"> https://askralph.com/</a></li></ul> <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target="_blank">LISTEN NOW</a><a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noopener noreferrer" target="_blank">WATCH NOW ON YOUTUBE</a> (OUR VIDEO VERSION)<a href="https://rumble.com/c/ASKRALPHPODCAST" rel="noopener noreferrer" target="_blank">WATCH NOW ON RUMBLE</a> (OUR VIDEO VERSION)<a href="https://askralph-shop.fourthwall.com/?source=dashboard" rel="noopener noreferrer" target="_blank">VISIT OUR ASK RALPH SHOW GEAR STORE</a> FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"<a href="https://www.facebook.com/share/W39nbmnKqtgqr9om/?mibextid=K35XfP" rel="noopener noreferrer" target="_blank">JOIN OUR FACEBOOK INSIDERS GROUP</a><a href="https://ASKRALPHPODCAST.COM/SUPPORT" rel="noopener noreferrer" target="_blank">SUPPORT THE SHOW</a><a href="https://askralphpodcast.com/live" rel="noopener noreferrer" target="_blank">JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST</a>Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at&nbsp;<a href="mailto:ralph@askralph.com" rel="noopener noreferrer" target="_blank">ralph@askralph.com</a> or leave a voicemail message on our podcast page <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target="_blank">Leave A Voicemail Message</a>Like us on Facebook and follow us on Facebook at <a href="https://www.facebook.com/askralphmedia" rel="noopener noreferrer" target="_blank">https://www.facebook.com/askralphmedia</a> Twitter (@askralphmedia) or visit <a href="https://www.askralphpodcast.com/" rel="noopener noreferrer" target="_blank">www.askralphpodcast.com</a> for more information.To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to <a href="https://www.askralph.com/" rel="noopener noreferrer" target="_blank">www.askralph.com</a> for more information!Buy Ralph's Book - Mastering Your Finances! on <a href="https://www.amazon.com/MASTERING-YOUR-FINANCES-Comprehensive-Financial/dp/B0CN5Q9PSJ/ref=sr_1_1?crid=3T7LBW5MT5G0L&keywords=ralph+estep&qid=1702750208&sprefix=ralph+estep%2Caps%2C90&sr=8-1" rel="noopener noreferrer" target="_blank">Amazon</a>Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey&nbsp;on <a href="https://a.co/d/1AUENOB" rel="noopener noreferrer" target="_blank">Amazon</a>&nbsp;

Podurama

Home

Trending

Personal

Your Podcasts

New Episodes

My Files

Favourite Episodes

Tags (Folders)

Recently Played

Bookmarks

Followed Playlists

Is Your Credit Card Costing You More Than You Think?

Ask Ralph - Christian Finance

AI Chapters

AI Insights

Reviews