If you’ve been abusing your credit cards like many Americans there’s a decent chance that you’ve already accumulated enough credit card debt to last you until retirement age. On the other hand, it may be time to bit the bullet and to say enough is enough and do something about it before you find yourself having to go through a bankruptcy.
The good first step is to take charge of your financial situation by keeping track of every cent that goes in and out of your pockets.
Unfortunately, through the power of credit cards or “cashless shopping”, many have been duped into over spending because of the readily available credit that multiple credit cards offer and by the low monthly payments. Individuals think only of today and before they realize it they’ve spent themselves into financial oblivion by purchasing things they don’t really need, they can’t afford and sooner or later the debt begins to snowball out of control.
There are options once you see the light and decide to make the necessary changes in your spending habits. Both financial institutions and many non profit organizations offer debt counseling to get...
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