It seems to be the normal way of life now days to have everything we want, and have it now.
The use of credit cards along with an instant or "buy it now" attitude has millions of us in debt for life.
We simply go pick out what ever we "need" now and pay with credit cards.
Why not swap those high interest cards for secured credit cards, far safer to use? Secured credit cards have a cash "backup" which means you must have the money on deposit before borrowing it.
Like borrowing your own money, they offer a way to buy things that require use of a credit card.
Getting into debt is the easy part It's hard for me to imagine not having a debit card with my checking account at the bank.
I seldom carry cash because it can be dangerous when living in a big city with a high crime rate.
This modern world changes some of those old time values even if we want to maintain them, it's not easy to do.
Getting out of debt is difficult but doable After years of prescribing to the "buy now pay later" method which includes living paycheck to paycheck as so many do virtually all of their lives, it is about time to climb out of debt and rebuild that damaged credit rating once and for all.
It is an uphill climb to becoming free from debt.
The prospect of saving thousands of dollars and eliminating bad credit due to using credit cards much of our life is a goal worth fighting for.
Get a free credit report to see where you stand We are each entitled to a free copy of our credit rating once each year and that can be done by going to the three reporting companies who are the nationwide information source for our credit report.
Don't be fooled by those places that want you to pay for a report, the legitimate places will not charge you! Go to annual credit report dot com or call 1-877-322-8228 for the honest answers to your request for information.
Pay off the little fishes first before tackling the whales In order to make the payoff of your debts appear doable it's advisable to pay off the smallest one first, then the next, and so forth.
When you pay off that little one apply the amount you paid on it each month toward what you pay on the next one, as this progresses you will have more and more to add onto your monthly payment for the next bigger debt and it will be paid off that much sooner.
Mention was made above about having a debit card that goes with a checking account.
That and two secured credit cards are the only plastic cards I carry anymore.
After paying off the $20,000 we owed to various creditors we now have enough in our checking and savings accounts to pay cash for that much "needed" new TV or whatever we want.
You can do it too!
The use of credit cards along with an instant or "buy it now" attitude has millions of us in debt for life.
We simply go pick out what ever we "need" now and pay with credit cards.
Why not swap those high interest cards for secured credit cards, far safer to use? Secured credit cards have a cash "backup" which means you must have the money on deposit before borrowing it.
Like borrowing your own money, they offer a way to buy things that require use of a credit card.
Getting into debt is the easy part It's hard for me to imagine not having a debit card with my checking account at the bank.
I seldom carry cash because it can be dangerous when living in a big city with a high crime rate.
This modern world changes some of those old time values even if we want to maintain them, it's not easy to do.
Getting out of debt is difficult but doable After years of prescribing to the "buy now pay later" method which includes living paycheck to paycheck as so many do virtually all of their lives, it is about time to climb out of debt and rebuild that damaged credit rating once and for all.
It is an uphill climb to becoming free from debt.
The prospect of saving thousands of dollars and eliminating bad credit due to using credit cards much of our life is a goal worth fighting for.
Get a free credit report to see where you stand We are each entitled to a free copy of our credit rating once each year and that can be done by going to the three reporting companies who are the nationwide information source for our credit report.
Don't be fooled by those places that want you to pay for a report, the legitimate places will not charge you! Go to annual credit report dot com or call 1-877-322-8228 for the honest answers to your request for information.
Pay off the little fishes first before tackling the whales In order to make the payoff of your debts appear doable it's advisable to pay off the smallest one first, then the next, and so forth.
When you pay off that little one apply the amount you paid on it each month toward what you pay on the next one, as this progresses you will have more and more to add onto your monthly payment for the next bigger debt and it will be paid off that much sooner.
Mention was made above about having a debit card that goes with a checking account.
That and two secured credit cards are the only plastic cards I carry anymore.
After paying off the $20,000 we owed to various creditors we now have enough in our checking and savings accounts to pay cash for that much "needed" new TV or whatever we want.
You can do it too!
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