Experts on Credit: Oops, You’ve Done It Again

Maybe you used the credit card to buy something you didn’t really need, even though you swore you never did. Maybe you found yourself clicking “checkout” even though you promised to stop shopping online. Or maybe you just found yourself discouraged by your bank account number…again.

Either way, you had a financial setback – you did something to delay progress toward your goals, even though you knew better.

It sucks. That’s enough to make you give up and stop.
But here’s the truth: it’s part of the process.

Research¹ suggests that there are six steps to behavior change:
1. Pre-contemplation
2. Contemplation
3. Preparation
4. Stock
5. Maintenance
6. Relapse

Why is relapse the last step? Because it’s an opportunity. It reveals the limits of your strategy, the triggers of unnoticed behaviors and above all new areas of growth.

It’s nice to acknowledge that, but it’s a far cry from how relapses make you feel. They feel like proof that you will never change, that you haven’t changed. You have fallen back into your old behaviors.

But nothing could be further from the truth. The reality is that relapses simply tell you deeper truths about yourself – and what you are capable of.

So the next time you feel bad about a hard-to-break financial habit, give yourself some grace. Examine what happened and incorporate what you learn into your strategy.

Consider meeting with us to develop a plan. We can help you process what happened, refocus on your goals, and create a strategy to prevent future relapses.

We created Next Level Credit to educate and help people in all areas of financial matters. We have over 300 case studies to show you how others have done it ( and can lead you to establishing the right plan for your financial well-being through an easy-to-follow five-step process that can be found at

Don’t let negative economic news and rising interest rates give you the blues. You are in control of your financial destiny and Next Level Credit can provide the guidance and support needed to help you achieve all of your financial goals.

Jimmy Rios has been an entrepreneur for 20 years in the financial services industry. Jimmy and his wife Sylvia Rios hold a license in real estate and personal insurance.

¹ “Prochaska and DiClemente’s Stages of Change Model for Social Workers,” Yeshiva University, May 11, 2021

Jimmy or Sylvia Rios live in Maricopa and can be reached at 480-935-6049, 480-341-2901, [email protected] Where [email protected]. Their website is

This sponsored content was first published in the August issue of InMaricopa magazine.