But sometimes it can bring it closer.
If you have a ton of credit card debt, digging out and ridding yourself of this beast can be a life-changing event. You may feel powerless to do anything about that debt. You are constantly being called by creditors that want their money. You leave your mail in piles (or throw it away) in fear of seeing how much your credit line has diminished, how many late fees have been added, and how many over-the-limit fees are tacked on as well. You get less sleep at night, and it is beginning to affect your personal life. People notice the change in you and begin to avoid you.
Take control of your life!
There is help and information available out there. The formula is simple: spend less than you make and use the extra cash to eliminate your credit card debt. When you combine saving with getting more money (visit my website) with saving money, it begins to gain momentum and you see your balances diminish and slowly disappear.
Be strong!
Know that you can do it and that others have eliminated their credit card debt as well. See what works for them and try it yourself. You may have to customize it to meet your particular needs, but do something. If it doesn't work: do something else!
Have a GREAT day!
Showing posts with label Action. Show all posts
Showing posts with label Action. Show all posts
Wednesday, June 24, 2009
Thursday, May 28, 2009
Carpe Diem
Seize the day! A lot of us will see people taking action and will wish it were us. You have that ability to do things and many times it will require you to do just one thing...TAKE ACTION! Often it doesn't matter what the action is, you must just do SOMETHING!
The same is true when you are eliminating your credit card debt and securing your financial future.
You may ask, "Should I save by using coupons? Should I pay the highest interest card first while maintaining minimum payments (on time) with my other credit cards? Should I sell things I don't need?" and on and on. You could work yourself into a frenzy just wondering what it is that you need to start with. Each action has its own merit and can certainly get you toward a goal of being credit card debt free. Each plan and idea is good.
Choose one.
Use it to build momentum to develop a habit and then choose another. And another. Soon you will have developed an amazing strength as your own strength is bolstered by success after success. Sure, you may find a dud once in a while, but use the lesson learned to build wisdom.
TAKE ACTION! Have a GREAT day!
The same is true when you are eliminating your credit card debt and securing your financial future.
You may ask, "Should I save by using coupons? Should I pay the highest interest card first while maintaining minimum payments (on time) with my other credit cards? Should I sell things I don't need?" and on and on. You could work yourself into a frenzy just wondering what it is that you need to start with. Each action has its own merit and can certainly get you toward a goal of being credit card debt free. Each plan and idea is good.
Choose one.
Use it to build momentum to develop a habit and then choose another. And another. Soon you will have developed an amazing strength as your own strength is bolstered by success after success. Sure, you may find a dud once in a while, but use the lesson learned to build wisdom.
TAKE ACTION! Have a GREAT day!
Monday, May 25, 2009
Memorial Monday
Memorial Day is a holiday that was intended for us to remember the service men and women who have given their lives for us to enjoy the freedoms that we do now. I am grateful for those who have dutifully served, be it by volunteering or by being drafted. As Americans, we enjoy so many freedoms that others around the world only dream of. But those freedoms are balanced with responsibilities.
So it is with credit card debt.
Most Americans have been given the opportunity to have a credit card debt. Owning a credit card can give you the freedom to purchase something that you wouldn't normally have the cash on hand to purchase right away. In times past, stores such as KMart or WalMart would offer lay-away programs. They worked like this: You would make payments toward something that cost more money than you have available, but, for a small fee you could reserve the item until it was paid for. Then along came credit cards that gave some the opportunity to purchase something immediately and make payments on the credit card.
Most haven't used that wisely, including myself. It was sort of like being a child in a candy store with unlimited selection. We, as Americans have gotten to the point to where we don't look at the total cost of an item (i.e. a car) but rather at the monthly payments. That has come to bite me in the behind. Now many find themselves in a situation where their credit scores are abysmal and a large portion of their paycheck is going to pay on a credit card that was used to pay for something trivial in the past. Many times, that item is long gone and forgotten. With as much as has been paid on the credit card, one would think that their would be a fancy car or a beautiful home, but that is not the case.
It doesn't have to be that way.
There are solutions out there that can help you to eliminate your credit card debt and earn more money in the process. If you want money making ideas, you could always visit my website or take some time to think things through. Don't despair, you can get out of credit card debt, but there is something that others will not do for you, and that is TAKE ACTION!!
Have a great Memorial day!!!
So it is with credit card debt.
Most Americans have been given the opportunity to have a credit card debt. Owning a credit card can give you the freedom to purchase something that you wouldn't normally have the cash on hand to purchase right away. In times past, stores such as KMart or WalMart would offer lay-away programs. They worked like this: You would make payments toward something that cost more money than you have available, but, for a small fee you could reserve the item until it was paid for. Then along came credit cards that gave some the opportunity to purchase something immediately and make payments on the credit card.
Most haven't used that wisely, including myself. It was sort of like being a child in a candy store with unlimited selection. We, as Americans have gotten to the point to where we don't look at the total cost of an item (i.e. a car) but rather at the monthly payments. That has come to bite me in the behind. Now many find themselves in a situation where their credit scores are abysmal and a large portion of their paycheck is going to pay on a credit card that was used to pay for something trivial in the past. Many times, that item is long gone and forgotten. With as much as has been paid on the credit card, one would think that their would be a fancy car or a beautiful home, but that is not the case.
It doesn't have to be that way.
There are solutions out there that can help you to eliminate your credit card debt and earn more money in the process. If you want money making ideas, you could always visit my website or take some time to think things through. Don't despair, you can get out of credit card debt, but there is something that others will not do for you, and that is TAKE ACTION!!
Have a great Memorial day!!!
Thursday, May 21, 2009
Having A PMA (Positive Mental Attitude)
Hope springs eternal, that is how the saying goes. When undergoing the quest to eliminate your credit card debt, there will be times when you shall be sorely tested. When the tough gets going, it can be difficult, at best, to keep going. I have had the fortune of being exposed in my young adult life to books like "Think and Grow Rich", "How to Win Friends and Influence People", "See You at the Top", "Success Through a Positive Mental Attitude", and, my favorite, "Rhinoceros Success". The premise behind filling your mind with positive things will help when positive things are not happening in your life. Their philosophy in these (and lots of other) books is that you have to find the positive things and focus on them instead of dwelling on the bad. So, in other words,
HANG IN THERE!
You gotta stay focused on what the goal is. The goal for many of us is to be free from the bonds of high-interest credit card debt. Although Congress is currently drafting legislation to help against some of the predatory practices of credit card companies, we cannot rely on somebody else to take control of our lives: we have to do it ourselves. Congress is doing what they can, but it is certainly not enough. In fact, it may hurt the people who need the help the most, the ones who need credit. It will be tougher for those to get credit.
KEEP FOCUSED!
Your goal is perhaps to rely less on credit cards and make your hard-earned money work for you. Don't make somebody else rich by the blood of your brow. Learn as much as you can, find the actions that will lead you to the destination of being credit card debt free, and then (dare I mention it?) TAKE ACTION! Action is 1,000 times more effective than inaction. If you do nothing, you will get nothing. Please do what you can to help yourself. I am here to help, but ultimately it is YOU that will do the action.
Have a GREAT day!
HANG IN THERE!
You gotta stay focused on what the goal is. The goal for many of us is to be free from the bonds of high-interest credit card debt. Although Congress is currently drafting legislation to help against some of the predatory practices of credit card companies, we cannot rely on somebody else to take control of our lives: we have to do it ourselves. Congress is doing what they can, but it is certainly not enough. In fact, it may hurt the people who need the help the most, the ones who need credit. It will be tougher for those to get credit.
KEEP FOCUSED!
Your goal is perhaps to rely less on credit cards and make your hard-earned money work for you. Don't make somebody else rich by the blood of your brow. Learn as much as you can, find the actions that will lead you to the destination of being credit card debt free, and then (dare I mention it?) TAKE ACTION! Action is 1,000 times more effective than inaction. If you do nothing, you will get nothing. Please do what you can to help yourself. I am here to help, but ultimately it is YOU that will do the action.
Have a GREAT day!
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