Credit Card Relief: 4 Steps To Balance Your Finances
0 views
Skip to first unread message
David Faulkner
Apr 18, 2013, 2:50:02 AM4/18/13
to publish-the...@googlegroups.com
*****************************************************************
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
David Faulkner
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=218933
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=218933
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Credit Card Relief: 4 Steps To Balance Your Finances
Author: David Faulkner
Word Count: 528
Article URL: http://www.isnare.com/?aid=218933&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=218933
Easy Publish Tool: http://www.isnare.com/html.php?aid=218933
*********************** ARTICLE START ***********************
Credit cards have become a necessary evil. In the United States and in many other places around the world, you can use credit cards to purchase products or services without the need for cash. This convenience is the main reason why people everywhere have become so addicted to charging their purchases, usually without stopping to think if they have the means to pay for it in the future.
This recklessness in shopping has resulted in thousands of people getting overwhelmed by credit card debt. At the end of the month, you will not only be billed for the actual purchases that you made but you also have to take into consideration the high interest rates that usually come with credit cards. In no time at all, the interest will keep piling up until you are engulfed by a mountain of debt.
You might feel pretty desperate when your debt reaches, say, $20,000. However, it�s not the end of the world just because you�re a few payments behind on your credit card. Relief is still very possible if you follow these simple steps.
1. Determine your household�s income.
If you are working towards credit card relief, the first thing you have to do is to determine exactly how much your family or household earns in a month or in a year. This includes all regular salaries and any income from businesses or part-time jobs. Once you determine this figure, it should be pretty obvious that you must not spend more than that amount.
2. Find out where your money is going.
Sum up your family�s regular expenses. If the total is too close to your income figure or even exceeds it, then you have to make drastic reductions in your spending. You will be surprised at the amount of credit card relief you can have just by eating in during weekdays, or taking the bus every other day, or by coloring your own hair. These are just small sacrifices to make so you can have the credit card relief you are craving for.
3. Use your credit card wisely.
You have to learn how to be more prudent in using your credit card. Relief will only come if you can control your shopping impulses and buy only things that are necessary. As much as possible, pay for small purchases in cash. You don�t really need to use your credit card to buy a magazine or a loaf of bread.
4. Contact your credit card company.
Nobody can provide more credit card relief for you than the company itself. All you have to do is get on the phone with your credit card company representative and request for a lower interest rate. It may sound like a brazen thing to do but you might be surprised that most credit card companies would be very happy to grant your request. For them, it is definitely better for you if you pay them at a lower interest than to never pay them at all.
About The Author: You can also find more info on http://www.getdebtreductionhelp.com/category/debt-consolidation-and-reduction-is-the-way-to-financial-freedom on debt consolidation and http://www.getdebtreductionhelp.com/category/debt-reduction-assistance on debt reduction assistance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=218933
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
David Faulkner
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=218933
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=218933
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Credit Card Relief: 4 Steps To Balance Your Finances
Author: David Faulkner
Word Count: 528
Article URL: http://www.isnare.com/?aid=218933&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=218933
Easy Publish Tool: http://www.isnare.com/html.php?aid=218933
*********************** ARTICLE START ***********************
Credit cards have become a necessary evil. In the United States and in many other places around the world, you can use credit cards to purchase products or services without the need for cash. This convenience is the main reason why people everywhere have become so addicted to charging their purchases, usually without stopping to think if they have the means to pay for it in the future.
This recklessness in shopping has resulted in thousands of people getting overwhelmed by credit card debt. At the end of the month, you will not only be billed for the actual purchases that you made but you also have to take into consideration the high interest rates that usually come with credit cards. In no time at all, the interest will keep piling up until you are engulfed by a mountain of debt.
You might feel pretty desperate when your debt reaches, say, $20,000. However, it�s not the end of the world just because you�re a few payments behind on your credit card. Relief is still very possible if you follow these simple steps.
1. Determine your household�s income.
If you are working towards credit card relief, the first thing you have to do is to determine exactly how much your family or household earns in a month or in a year. This includes all regular salaries and any income from businesses or part-time jobs. Once you determine this figure, it should be pretty obvious that you must not spend more than that amount.
2. Find out where your money is going.
Sum up your family�s regular expenses. If the total is too close to your income figure or even exceeds it, then you have to make drastic reductions in your spending. You will be surprised at the amount of credit card relief you can have just by eating in during weekdays, or taking the bus every other day, or by coloring your own hair. These are just small sacrifices to make so you can have the credit card relief you are craving for.
3. Use your credit card wisely.
You have to learn how to be more prudent in using your credit card. Relief will only come if you can control your shopping impulses and buy only things that are necessary. As much as possible, pay for small purchases in cash. You don�t really need to use your credit card to buy a magazine or a loaf of bread.
4. Contact your credit card company.
Nobody can provide more credit card relief for you than the company itself. All you have to do is get on the phone with your credit card company representative and request for a lower interest rate. It may sound like a brazen thing to do but you might be surprised that most credit card companies would be very happy to grant your request. For them, it is definitely better for you if you pay them at a lower interest than to never pay them at all.
About The Author: You can also find more info on http://www.getdebtreductionhelp.com/category/debt-consolidation-and-reduction-is-the-way-to-financial-freedom on debt consolidation and http://www.getdebtreductionhelp.com/category/debt-reduction-assistance on debt reduction assistance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=218933
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Reply all
Reply to author
Forward
0 new messages