Did I make the right decision?

My mom just found out how much I owe on my credit cards, my parents offered to help me pay my debts. I told her I don%26#039;t want their help because she helped me pay my credit card debts a few years ago but I got in the same credit card trap again and I now want to be responsible to pay for the debts I have incurred. She is mad at me for rejecting their offer to help me out. I just want to know, does anybody think I made the right decision?

Did I make the right decision?payday loan

i think you did make the right decision however ...do you have a job or any money you saved on the side that will help you pay off your debts? if the answer is no then i think you should reconsider the offer because you have your whole life ahead of you and this is not the last time you will ever be in this position ....in addtion you want to avoid having a bad credit which happens when you fail to pay the amount due on time...therefore whichever decision you make in the end you should be proud of yourself for wanting to be responsible because it goes to show everyone that you are not spoiled (and i really hate spoiled people) and i can assure your parents are proud of you for wanting to be responsible but sometimes we just need help from our parents whether we like it or not and there is nothing wrong with that because that%26#039;s why they are there for you....and you can also pay them back later if you want

GOOD LUCK

Did I make the right decision?

loan

no|||i think its good yoru taking resposiblilty for your actions. you are the one who racked it up. personally i would have done the same.|||Yes, you should seek help from credit counseling, not your mother.|||Yes.

You obviously have a good mother who wants to see you do well. She%26#039;ll appreciate your independence eventually. At least, I%26#039;d hope so.|||dude no take her help then like pay her bak, they are ur parents u kno they are there to help she might feel rejected or sometin idk its just my point of view...|||I think you did. Show that you can be responsible :) Good luck with your debts.|||i think u did, it shows maturity and responsibility on ur part, the next step is to pay the debt back so that u can show to ur mum u can look after urself. she is only mad because she is scared for u

good luck|||HELLS 2 THE YA U DONT WANT 2 OWE HER MORE MNY SO THIS IS EASIER|||knowing when to say yes to help is a skill that%26#039;s probably a time to say yes if you need help getting out of it. pay her back when you can spare it|||Yes you did. Explain to your parents that you have to try to make it on your own and keep the help offer open for a more serious matter......................|||well they are your family so i don%26#039;t think you should feel bad about getting help from them, they%26#039;re there for you. it%26#039;s not a %26quot;bad%26quot; decision but it definitely would have helped,

%26lt;3|||Yes,,,

Unless you feel that pathetic is a good thing and you

make mistakes and someone else pays for them,,,,,

Then NO,,,,,,,,,,,,,,|||well she%26#039;s ur mom and want to help she is probably upset that u didnt let her help cuz its her instinct as a mom just talk to her and let her help but work out a plan wit her so that u can both contribute to the payments|||Well... I suppose it%26#039;s okay for you to wanna help yourself... but you should have said... that i%26#039;ll try to work it out and if i%26#039;m in need i%26#039;ll definately ask u... and once u%26#039;ve cleared your accounts... i suggest u quit using credit cards... really its a hassle..... its best to use debit cards... keeps u from spending too much....|||that was very honorable of you. i think you did the right thing but now how will you pay off the debt? and uhh cancel your credit cards after this. keep like one...and dont fall into the same trap again...w/e the hell it was. dont be stupid.|||well shes your mom and she loves you

just say I really want to try to get out of debt myself

say mom if I don%26#039;t get out of debt by December 2008

you can help me or whenever|||Yes you did make the right decision.your proving to them that you are grown and dont want to always lean toward them every time you got a problem you can fix yourself.You did good just prove to them you can do it.|||Yes you did...I think it is awesome that she offered to help you pay them off again and you declined her offer because you know that you are the one who got yourself in this situation again, and you are taking the responsibility to fix the problem...I say good for you....plus if you were to let her keep helping you then you wouldn%26#039;t really learn from your mistake because you would not be bearing the consequences...this way you learn so hopefully it doesn%26#039;t happen again...:D|||Yes. It%26#039;s great to hear someone is not reliant on their parents to get them out of trouble, and taking responsibility for their own actions. Can I suggest you cut those credit cards up.

Tell your parents you love them for making the offer, but that they can%26#039;t keep bailing you out. They will appreciate this maturity in you. If they push it you could suggest a small amount?|||I think it%26#039;s honorable of you to want to pay the consequences of your own actions and be independent. You are trying to grow up, and I think that it%26#039;s brave of you to turn down help if you can handle it on your own with a little less comfort than you%26#039;re used to. Having to pay your own credit card debt this time may help you avoid this problem in the future by giving you experience in how hard it is to pay off.

On the other hand, if you are really in trouble and know this will impact your life and your future tremendously, don%26#039;t let your pride get in the way of accepting help from people who love you.|||I%26#039;m not willing to praise someone for taking care of their own finances, its a fact of every day life.|||Maybe accept their offer, but set up a plan to repay them? It would be better than paying all the interest on the cards. Good luck!|||I%26#039;m afraid not. In this particular case you did the wrong thing. I wonder if you can do anything to reverse it. I strongly doubt so.