“I’ll Think About It” — The Excuse That’s Keeping You in Debt

Let’s be real. If you’re a single woman carrying credit card debt, you’ve probably said this phrase more times than you’d like to admit:

“I’ll think about it.”

Sounds reasonable, right? 

But more often than not, it's just a dressed-up version of “I’m avoiding this.”

 And here’s the truth: debt doesn’t wait for you to think about it.

While you’re "thinking," your interest is compounding. Your minimum payments are barely touching the principal. And your stress? It’s quietly building in the background.

🚨 The Cost of Not Taking Action

Putting off a decision today has real financial consequences tomorrow. Here's what staying stuck can cost you:

💳 Thousands in interest over time (especially with rates over 20%)

🧠 Mental fatigue from carrying constant money stress

⏳ Delayed goals like home ownership, starting a business, or taking that dream trip

❌ Lower credit scores making it harder to qualify for better options

😓 A sense of failure that chips away at your confidence and self-worth

💡 The Shift: Replace “I’ll Think About It” With Intentional Action

Instead of sitting in indecision, try these empowered swaps:

❌ “I’ll think about it.”

✅ “I’ll schedule 30 minutes today to make a decision.”

❌ “I don’t know where to start.”

✅ “I’ll speak to a financial coach or trusted friend this week.”

❌ “Now’s not the right time.”

✅ “Today is the perfect time to take one small step.”

🛠️ What Action Looks Like:

Here’s how to start right now—without getting overwhelmed:

Face the numbers – List out your credit card balances, minimums, and interest rates.

Pick a payoff plan – Snowball (smallest first) or avalanche (highest interest first).

Cut the fluff – Pause unnecessary spending until you have a handle on your payments.

Make the call – Ask your credit card company for a lower APR. It’s worth the ask.

Get support – Don’t do this alone. A money mentor or coach can make all the difference.

💬 Final Thought:

“I’ll think about it” might feel safe, but it’s a silent agreement to stay stuck.

You don’t need more time—you need momentum. You don’t need the perfect plan—you need a starting point. And that point is now.

Because every day you wait is another dollar, another delay, another detour from the life you deserve.

💥 Debt is temporary. Financial confidence is forever. Choose action.