Eliminate Credit Card Debt
Eliminate credit card debt by deciding to buy only what you can pay cash for. Eliminate credit card debt by determining if a purchase is essential. If it is essential, you need to save until you have enough money and then buy the item. If you don't have the cash on hand or in the bank then don't make the purchase. When you have to take the trouble to go to the bank to get $ 20., or $ 40., or $ 100., it's surprising how many things become non-essential items.
Eliminate credit card debt on major items by deciding to write a cheque instead of pulling out the card. TV shows such as Trash to Treasure highlight the fact that it's trendy to recycle used items. You don't need the newest, latest, and greatest. There is no stigma to decline to participate in conspicuous consumption through the purchase of the latest cutting edge items and there is certainly no stigma to having money in the bank.
Vintage clothing, used books, recycled furniture and fabrics are all in style. Eliminate your credit card debt by joining the new trend to pay as you go. It's disheartening to go to work each week and realize on payday that you have already spent your money and need to use your credit cards to pay your bills. A credit card is a great tool used judiciously and the bane of the shopaholic's existence.
Note this latest and not unusual story of a young woman who, becomes sick to her stomach when finances are discussed, says she wants to eliminate credit card debt. After moving the balances on her various cards to the lowest interest rate card and cancelling the other cards, she went to the bank. The object was to arrange a line of credit to reduce the interest rate she was paying on her credit card balances. She was able to obtain a line of credit but not enough to cover the full amount of her credit card debt so she used the additional credit to go shopping again and spent more money instead of paying off the debt.
Credit card debt is insidious. In case you didn't read the fine print, this is how it works. In month one, you charge a $ 900. TV, a $ 350. DVD player. and a $ 35. toaster. When the bill arrives in month two you only have enough money to pay off the DVD player so you let the balance, $ 935. stay on the card, the following month you have $ 100. available to pay down your balance. You are still paying interest on the full amount you charged in month one, regardless of the fact that you repaid it a month previous. In fact, even if you paid $ 1,200. in the second month when the bill was due, you would still be paying interest on the full amount of your original purchase $ 1,285. The total amount of the charges must be paid before the due date, to avoid interest charges on the original balance.
Before you sink, learn how to swim without that debt, rather than in it.
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