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!!!