Trying to Pay Off Debt? Should You Stop Using Credit Cards?

Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph, Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financial freedom: facing your debt. With honesty, compassion, and biblical encouragement, Ralph challenges listeners to stop hiding from what they owe and start bringing it into the light. If you’ve been avoiding balances, dodging statements, or living in dread of what’s due, this episode will show you how healing begins the moment you stop running and start getting honest—and why it might be time to stop using credit.Read today's blog articleCheck out the full podcast episode hereYou’ll learn how to list out every debt with clarity, why facing your finances isn’t a shameful act but a hopeful one, and how taking inventory is the foundation for your comeback. Ralph walks through a practical four-step process for gathering debt information and setting up your debt snowball plan. With Scripture, prayer, and a compassionate tone, this episode invites you to take one bold step toward freedom—and trust that what’s brought into the light can be healed in the light.Chapters:00:12 - Stopping the Digging: A New Approach to Debt Management02:13 - Breaking the Cycle of Debt04:24 - Breaking the Debt Cycle: A Radical Approach05:40 - Breaking the Cycle of Debt07:10 - Moving Towards Financial FreedomTakeaways:Listing out your debts is a brave first step towards tackling them head-on, trust me!If you're still swiping those credit cards while paying them off, it's like pouring water while drilling holes in your boat.Breaking free from credit card dependence means making some bold moves, like ditching those cards altogether.LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO VERSION)SUPPORT THE SHOWPlease share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at [email protected] or leave a voicemail message on our podcast page Leave A Voicemail MessageBuy Ralph's Book - Mastering Your Finances! Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business JourneyBuy Ralph's Book - How to Become a Financially Confident ChristianWant to be a guest on Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch,...