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subject: Credit Card Debt- Self Help Advice [print this page]

Credit Card Debt- Self Help Advice
Credit Card Debt- Self Help Advice

Credit cards make buying things not necessary very easy and

can get a person deeper and deeper in debt. More than they

ever wanted to be. We have become a society of want, want,

want instead of just buying what we really do need. Cards

are great for emergencies that come up and you do not have

the money at the time, i.e. vehicle repairs or an appliance

purchase.

What we need to do is come up with a monthly budget for

things we NEED such as groceries and electricity. Find a

way to set aside an amount of money each month for

emergencies and then if there is any money left over then

buy what you want or think that you need.

Think twice before buying that brand new car that probably

costs more than your family makes with payments that put

more strain on your budget than it can handle, thus your

needs go on a credit card. Smart buying and budgeting can

help greatly. Most people think that they cannot survive

without a credit card but they are wrong.

Being in credit card debt can put a real strain on families.

Don't expect to get out of debt overnight. It is possible

by sticking to a budget, to mangage without the use ofa

credit card.

Some people unfortunately live on such a tight budget that

even a car repair or appliance purchase is out of their

reach without a credit card. Cards can be a great help when

they are used carefully. People with credit cards tend to

forget that and start purchasing things that are not

emergencies.

Sometimes it is difficult to purchase thing we need unless

we use a credit card. If you use your card make sure you

quickly redo your budget to take account of the new

repayment to pay off your card quickly. It is possible to

use a credit card wisely and not get deeper and deeper in

debt but it requires patience and determination.

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