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.


The Battle of Your Debt VS Credit Cards

Debt from credit cards is slowly crippling many people across the country who are discovering themselves with huge mountains of debt; the credit industry may be doing well but the ease with which credit is granted is causing financial strain to many. With the rising debt, it is no surprise that families and individuals have begun to realize the financial problems created by the ongoing and uncontrolled spending they have done. Generally speaking the only way out of this situation is by using a debt relief solution for the credit cards.

The card holder must stop using the card while they find other options or in the end the debt will get worse and never be resolved. As soon as the spending stops it will be easier to find a solution to credit card debt and relief becomes a possibility for the individual. The debt consolidation strategies below are going to be the best options but they are by no means the only ones available. The easiest method to consolidate debt where you still has a good credit rating is to use another credit card that has a lower interest rate where the balance on all the cards are transferred to one card.

Another possibility is for the person to consolidate the debt with a low interest loan and then choose how much money they can pay on the loan each month. This option does mean the borrower must be willing to take on debt, follow a strict payment plan in order to really end their debt issues. Debt consolidation will require that the borrower has the ability to access credit and have sufficient funds to repay the loan. If this path to relieving credit card debt is not available the next option would be to seek debt negotiation with the card company directly or by using a company that specializes in debt relief. They often will suggest a sum of approximately half the debt be paid back and the remaining balance forgiven by the creditors.

However, if this action fails usually the only available option is to file bankruptcy. This may erase all the debts but bankruptcy should never be viewed as the first option or easiest path for clearing debt because of negative aspects involved. Once bankruptcy has been decided upon the debtor must understand they will find applying for any type of credit difficult until the end of the bankruptcy has been completed. Then the task of rebuilding their credit rating will begin. The most important aspect to remember is getting relief from your debt should only be a lesson you learn once to teach fiscal responsibility.

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