Credit Card Debt – How to Manage It

Before you can really start to make real money, you will have to deal with the debt you might have accrued through earlier borrowings. Most people get themselves into financial difficulties through, borrowings made on credit cards. This is the primary product used by the banks to create debt in peoples lives, the interest on the capital borrowed that this creates for the banks, can keep people in debt for their whole life. Injudicious use of credit cards is promoted by a constant bombardment through the media of a buy now pay later philosophy, A constant call to our egos, that stokes discontent within lives. If you don’t have money you cannot have respect, without these material possessions, the money,the girls, the cars, you are nobody. With this continual disparagement, we compare ourselves to others and begin to believe, that we deserve all sorts of things that others may have had to pay a heavy price to obtain.

To break this cycle of ever increasing debt the first thing that has to change is your mindset. You must believe you are worth something, that you are valuable, and are a special and unique person. This is not an easy thing to perceive, especially if you have had a life full of people telling you something other than this. To have an identity, to know who you are, is a place of contentment, If you are content, you will stop striving for things, if you are happy, it does not matter what you have or do not have. You are created in the image of God, allow Him to define you, God say’s you are fearfully and wonderfully made, he took his time putting you together, He thought about what your purpose was and gave you the tools to achieve that purpose. This God sent His Son who we killed, but that was part of the plan, because without His death the Comforter could not come, If you need some financial comfort, know that godliness with contentment is great gain, and that without a credit card, you immediately rid yourself of a source of credit card debt within your life, get the scissors out cut up all your credit cards and you put your self in a place where the debt generated by the credit cards cannot get any bigger. Freed from debt you are now free to earn money from the Internet.

You can start to address the debt outstanding, by changing the way you make purchases. Pay for all purchases with Cash or by Debit Card. This will give you a much greater appreciation of what you are spending, this takes a bit of getting used to, but the first thing you will feel is empowered, this will make you feel good about yourself, and will also give you a sense of control over where the money is being spent and what for.

To get an even tighter grip on the debt situation you will need to make a budget, fill out a budget planner, and begin to forecast future spending, but more importantly look to find areas where you can begin to save money. Once you are saving money, this frees you up to spend time earning money on the Internet. I told you this was not a get rich quick scheme, but do not bail out, all you need is an attitude adjustment, a new mindset, and I can help you with that.

Follow Me on


Cyril Howell is an Internet Marketer who offers advice on how to successfully take legitimate paid surveys. As a way of taking back control of your finances after having, achieved financial freedom from the cycle of credit card debt. Paid Survey Websites is not a get rich quick scheme, but is a tool to encourage the belief that there is something that you can do to effect a change in your situation. Success is a decision you make when you decide to do something, to facilitate successful outcomes in your life by the action that you take. Transform your circumstance renew your mind.

Best Debt Relief Programs – Factors That Must Be Considered When Looking for Debt Relief Assistance

If you are one of the millions of people who owe thousands of dollars to debtors, then you are undoubtedly looking for the best debt relief programs. There are many programs and organizations that claim to offer some sort of relief, but many of them are a scam. How do you know which one you can trust? How can you do debt relief correctly?

One of the most important things to look for is a company that will give you a free consultation. You should never be expected to pay money upfront for anything. There should be a free 1-800 number for you to call or a form to fill out to inquire about services and possible solutions to your debt problem.

Another important consideration is nationwide experience. Look beyond a state level organization, since some of your debts probably aren’t exclusive to just your state, and every state has its own laws. It’s ideal to stick with a company that has been offering debt relief and negotiation assistance for at least 15 years.

You should be provided with the reassurance that your debt isn’t 100% your fault. The best debt relief programs will help you to understand how unfair some lenders can be. Credit card companies and loan lenders make it easy to open up a line of credit, yet make it challenging for you to pay it all off. You fall behind just a bit and the interest rate will rise so high that the next thing you know, you owe tons of money and have no idea how to even begin to catch up.

Experience to Look for in the Best Debt Relief Programs

Make sure that the company you choose has experience negotiating the types of debts you owe.For some individuals, it is credit card debt. For some, it’s business debts. Hospital and medical bills can be very costly as well – especially for those without good health insurance. IRS debts and back taxes can be incredibly frustrating. Before selecting a debt relief service, inquire as to whether they have experience dealing with your situation.

Unfortunately, there are some situations that even the best debt relief programs can’t help you with, namely certain types of lawsuits, government loans, student loans, mortgage loans, secure debts, etc. If you are involved in a lawsuit and feel that yours might be a “special case”, be sure to inquire about it in your free consultation.

When To Turn To A Debt Collectors For Help

If you own your own business, you have reached what many consider to be the pinnacle of success. There are so many benefits to owning a company, not the least of which is being your own boss. But being the boss does come with some downfalls, including having to deal with difficult situations. One of these is customers who owe you money. At some point, instead of dealing with them personally, it may be much more cost effective to hire an agency to take care of this problem.

To see if this would truly be cost effective, there are a few things you must consider. First is how many clients or customers you have in arrears on their accounts. Compare this to the total number of customers that you have. You can then compare the two numbers. If the percentage of those in arrears is high, you may need to hire a debt collector.

You should also keep track of how many hours you spend trying to get money owed. Many people, especially those who are salaried, do not keep track of hours. However, it is important that you do. These hours add up quickly, and is not time well spent. Think of all the things you could be doing if you outsourced that work.

Once you have an idea of how many hours you spend, calculate that times your salary for those hours, or the salary of the person you put in charge of collections. You may be quite surprised at how much you spend. It may be much more than an agency would cost you.

Another thing to keep in mind is that these customers may be behind in paying you, but that does not mean they are not valued. They might be friends or people you want to be customers again after they pay. Debt collectors can make the calls on your behalf without jeopardizing your relationship with them, and without the awkwardness that might come from asking someone you know and have a relationship with to pay up.

You should also consider the toll it takes on your lifestyle. There is a lot of stress involved in debt collection, which can negatively alter other parts of your life. If you do not manage to collect, then there is also the worry about getting behind in your own payments, since your income suffers when you have outstanding customer debts. All of these reasons and more are why it is a good idea to outsource the collection of your debt.