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Credit Cards: Becoming Credit Card Debt Free

Aug 21, 2008
If you want to be credit card debt free as fast as possible, then you should search for a way that grows your income. Well, that is easy to say and it is what debt management programs tell you and teach you. However, what would you do if your income does not grow?, is there any way to be credit card debt free in such condition?. Certainly, there are some ways:

Firstly, there are 2 main points that you need to understand very well in order to get rid of debt, if you do understand them, then you will go out of debt faster, if you do not, well ... you can imagine what will happen. Those points are related with the things you buy, the origin of all debt is consumption, so if your focus is your consumption habits, then you are facing the problem in the origin itself.

Firstly; But I really really need that ...

It would not be difficult to understand that the easiest and faster way to get out of debt using your credit card is buying only those things that you really need, if you do it you start saving money immediately, many people will argue that 99% of the things they buy are really needed, but if you can live, if you can survive without a thing, then it is not a need and consequently a dischargeable one.

Secondly; But I really really want that ...

Well, there is no much to say about it, I want a million dollar house too, yes that last 90" lcd tv as well and why not? the last year expensive car. Nonetheless, if you are really really serious about to be debt free, then your credit card need to be a tool and not a toy. You have to adhere to an strict shopping behavior, meaning that you cannot buy all the things you want, it is sad maybe, but it is what it is.

In conclusion, starting to be debt free today is easy, keeping doing it during the next 12 months is hard. Nonetheless, you just need to understand and make a distinction between; the things that you really need and the things that you really want, that is the first step in order to be credit card debt free, if you do it you are in your way, and sooner than later you will enjoy a peaceful life.
About the Author
Hector Milla runs 2 websites that help people with bad credit history, the Bad Credit Debt Management site and the Bad Credit Credit Cards resources center. Where you can find online debt relief tips and credit card resources for people with bad credit respectively. Website associated with http://www.Justilex.com
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