How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.


Credit Card DebtAre You in Denial

Someone once told me the word denial stands for "don't even know I am lying." I see it as refusing to acknowledge the existence of a problem. Money is a major area of denial in today's society. We do a lot of spending while we are looking the other direction. Here are some startling facts about the use and misuse of money in America today: The average American household that carries a credit card balance has a total that exceeds $8,500. More than 65% of Americans are not saving enough for retirement.

More than $63 million dollars has been spent on gambling in the past year. In most cases of overspending, the money is being spent to a fill a void in that person's life. Money gives people the feeling of power and control. Spending money helps people temporarily forget about things that they are trying not to think about.

In most cases, incurring debt brings a whole new set of problems. When a person is in denial it takes them a long time to acknowledge that a problem exists and by the time they do acknowledge it, the problem has usually become very serious. The following are some signs that you may have a problem with financial denial. The statements were taken from the article, "In Denial Over Money? Yes You Are", by MP Dunleavey.

You encounter the same financial pitfalls on a regular basis and you can't figure out why (always short of cash, repeated late payments, etc.). You find yourself spending money when you had made the decision not to (charging another pair of shoes, eating out when you had made the decision to cook at home, etc.). You find yourself stuck and you can't figure out how to get ahead (unable to reduce your debt, or the minute you do, you're right back in it again).

You find yourself using any of the following stupid rationales to explain the above: "I'll deal with it." "Other people do this all the time." "Right now, this is more important.

" "I need to." "I don't care; I'll figure it out later." "I work hard. I am entitled." If you see yourself in some of the behaviors listed above, you may want to think about getting some debt counseling.

These counselors are experiences at helping people with debt problems. They can develop a debt management plan that will help you get your debts paid off and they will also teach the principles of staying debt free.

Marjorie Salada is the owner of The Road to Debt Freedom, a blog that contains information on debt consolidation, debt counseling, debt settlement and how to manage credit card debt.

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