Pull Yourself From the Money Muck
Written by James Pynn   
Friday, 28 August 2009 18:37
Beware the siren's song. Beware the lure of fast, pre-approved credit cards is hard to resist. Indeed, even as the financial world collapses from the weight of useless debt, credit card offers are still a dime a dozen. How is it possible, as banks refuse to lend and homes are being foreclosed on, that credit card companies can still issue credit? Because debt is the biggest moneymaking scheme around.
by JamesPynn


Beware the siren's song. Beware the lure of fast, pre-approved credit cards is hard to resist. Indeed, even as the financial world collapses from the weight of useless debt, credit card offers are still a dime a dozen. How is it possible, as banks refuse to lend and homes are being foreclosed on, that credit card companies can still issue credit? Because debt is the biggest moneymaking scheme around.

According to author, journalist and blogger Gary Weiss, the average American households credit card debt in 1990 was $2,966. In 2007 it was $9,840. Today, that average is leaning closer to $10,000. Consider this amount in conjunction with rent or mortgage payments, car payments, health insurance, and living expenses and you can see why so many people are way in over their heads.

Enter: outside financial help. This is where qualified advice and consolidation services can even the playing field. After a few email exchanges and a phone call -- perhaps even a face-to-face meeting -- many families have pulled themselves from the brink of bankruptcy. The welcome relief of manageable monthly payments cannot be diminished.

This might mean having to brown-bag your lunch and avoiding your daily $3.00 latte. It may even mean holding off on buying that new sofa or HD television set until you can pay cash for it. Financial counseling can get you moving back in the correct direction by teaching you how to make sensible choices. Also, renegotiating some of your credit may even be a possibility.

It is imperative that you learn to live within your means. Learn to live without credit. Learn to save and weigh every purchase. Is that shopping spree worth it in the long run? What will come of your family? If you want to learn to live within your means and be financially free, you may need a helping hand. Indeed, you may need a third-party program to adhere to. You are not alone and there is help out there for any and all interested parties. Secure your future and protect your family with a solid plan for getting our of and staying out of debt.

About the Author:

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