credit card debt elimination

By: Thomas J. Withrop

There are many ways to achieve credit card debt elimination.

There are many experts around who are willing to give you "free" advice.

Some of this "free" advice you may have read or heard some where before with the "Here is all you have to do"...preface.

If it really just that easy, then why do so many people get into credit card problems.

Maybe these experts advise you to just apply common sense to the issue and all your problems will be solved.  No real solutions, but plenty of rhetoric.

As everyone knows, there is nothing that is common and hardly anything that makes any sense.

I have listened to thousands of reasons for overspending and getting into a pile of debt over the years from people of all walks of life.

#1 Credit Problem Reason

There has never been any common thread that neatly tied credit related problems together to explain the emotional or underlying rational that drives their credit dilemma habit.

Except this one…they all spend too much!

It doesn’t matter how much or little the income they earn.

The value of their home has no impact. Even their net worth does not matter.

You just spend too much

Spending too much is not a reason, it is a habit. Some may even call it an addiction.

You can get all the latest credit card debt reduction programs.

Get all the credit card consolidation loans you want.

If you can’t identify and fix the underlying reason you will eventually end up in bankruptcy.

Here is my consumer credit professional advice. Ready? STOP SPENDING!

I know! It is much easier to say than to actually put into practice.

What prevents most people from implementing a credit card debt elimination strategy?

1. Procrastination

2. Unwillingness to face the real issue

If you can’t or won’t do it on your own than buy a product that will move you in that direction or get credit counseling help.

Try it on your own first...You can do it!

Start by trying to control your urge to spend. Avoid putting yourself into those situations where you are weak.

Take the shopping channels off your favorite button on your cable or satellite remote.

Cancel all your catalogs. Stay away from the malls. When you go out, leave your credit cards at home.

Take only enough cash you plan on spending.

Learn to ignore your kids. They are a big reason behind budget busting problems. Pretend you are a teenager again when they are incessantly begging you to buy them something.

Aloof and centered on yourself unaware of anything not of interest to you is not that hard to do.

Work on creating a budget

Next, work on actually thinking of following the budget.

Then try the budget and see how it goes. It won’t be easy.

Temptation is a powerful energy that will tempt even the strongest.

If all else fails, lie flat on the ground and look at the clouds and see if you can find a credit card debt elimination cloud before darkness falls.

Or...
you could always call that debt counselor to help you with your credit card debt elimination.