Your thoughts made serious sense Papa.

Cut down on your finances. If you are not good with money don't own a credit card.

A lot of people out there live their lives to impress and show off, and that is one of the many reasons they enter debt. They have no investment plan. It is annoying and some of us that have, we have to labour to get it the hard way sometimes.
A gjy was asked in a lecture, what he would do with 10million naira (Nigerian currency) and he mentioned buying a car, this and that. He didn't mention anything that can actually be a source of income. All he listed were things that would cost him and drain him of that fund.
Do away with things that doesn't matter. Life isn't about things, but about people. We focus more on our comforts than how we could be of help to another. Cutting off excesses does prolong even our lives as we would not get unnecessarily tensed when debtors come calling which can lead to depression. Well thought through post Papa. Always proud of you and glad that all you said you went through is a thing of the past with Jesus shinning His light on you. What a great heart you have to always want to give back and make people better. Well done sir.