Saturday In The Park

A good, inexpensive way to have some family time, or alone time, is in the park. Usually, there is not a fee (free is good) and you can pack a picnic lunch or dinner that should not cost as much as a meal out. If I didn't work on Saturdays, I probably would spend more time in the park or down at a campsite.

When you are looking for ways to save money to eliminate your credit card debt (or just plain debt if you are lucky enough not to be burdened with credit card debt), slowly the ideas trickle in until you find yourself looking at coupons online (coupons.com) or in the paper or in magazines. Not only do you look at them, you begin to use them. Perhaps it is saving 10 cents here or a quarter there, but that trickle of savings starts to build into a steady stream of formerly wasted money that now is buying you freedom.

One of the best ways to not have credit card debt is not to go there in the first place. Years ago, credit cards were few and far between and not very many people could qualify. As regulations loosened, interest rates dropped, and we, as a people, became more and more consumer-driven, credit card debt grew and grew.

So did the credit card companies.

Sure, President Obama has pushed for legislation to help the consumer, but don't be so smug thinking that the credit card problem has gone away. It hasn't. It won't until all are educated about their credit cars and the wise use of them (or non-use of them). Hang in there, because you can be free too.

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