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Home > Ask Ralph > Trying to Pay Off Debt? Should You Stop Using Credit Cards?


	Podcast:		Ask Ralph
	Episode:		Trying to Pay Off Debt? Should You Stop Using Credit Cards?
	Category:		Business
	Duration:		00:09:35
	Publish Date:		2025-05-15 07:00:00
	Description:		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 article Check out the full podcast episode here You’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 Management 02:13 - Breaking the Cycle of Debt 04:24 - Breaking the Debt Cycle: A Radical Approach 05:40 - Breaking the Cycle of Debt 07:10 - Moving Towards Financial Freedom Takeaways: 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 NOW WATCH NOW ON YOUTUBE (OUR VIDEO VERSION) WATCH NOW ON RUMBLE (OUR VIDEO VERSION) VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES" JOIN OUR FACEBOOK INSIDERS GROUP SUPPORT THE SHOW JOIN RALPH LIVE - EVERY TUESDAY AT 1PM EST Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information. To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information! Buy Ralph's Book - Mastering Your Finances! on Amazon Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon Want to be a guest on Ask Ralph: Financially Confident Christian? Send Ralph Estep, Jr. a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1704313698808231d175d3ba6
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