Shake off the Chains: Credit Card Debt Elimination is Easier Than You Think!

Feeling like you're on the brink of financial disaster? You're not alone. Millions of people allow impulsive lifestyles to rule their pocketbooks. Don't let past mistakes sabotage your future! Credit card debt elimination is easier than you think.

How many times have you been in this situation? You're enticed by a new credit card offer with an 8% introductory rate. You activate the card, start enjoying the new freedom... and then forget about it. Pretty soon, the 19% interest rate sneaks up on you... and before you know it, you're $2,000 in the hole. With so many offers barraging us daily, it's no wonder some people keep a running balance on as many as eight credit cards. A messy situation, but it's nothing that can't be cleaned up. Credit card debt elimination is possible for those who really want to make a change for the better. Here are some options.

Streamline your bills. Transfer all your balances onto one card with the best interest rate you can negotiate. All it takes is a couple of phone calls to a credit card company where you remain in good standing. You may be charged a fee for closing out your other accounts, but it's still better than paying nearly 20%. Or, if your credit is still respectable, but you know you're getting in hot water, you can apply for a bank loan and open a line of credit account - which only requires a minimum monthly payment and accrues no interest charges. Once you simplify your situation, credit card debt elimination is just a few payments away!

Promise yourself to pay on time. If you don't own a calendar, buy one tomorrow. Mark down the days when bills are due, and place the calendar where you can see it. Are you married? Consider handing the responsibility of bill-paying over to your spouse. Sometimes the fastest way to total credit card debt elimination is by passing the buck to someone who's a bit more disciplined!

If you're in serious financial dire straits, look into debt settlement programs, which take hardships such as divorce into account. Non-profit debt consolidators can help you with credit card debt elimination by reducing your interest rates, simplifying your bills into one payment and then charging you a fee... but you're at the mercy of their payment schedule, and being affiliated with one may in fact damage your credit.

Finally, reassess your budget. There are so many ways to pinch a penny... from ordering less takeout to skipping that morning trip to Dunkin Donuts... from coupon cutting, to cutting out shopping sprees. With the right mind set, you CAN live a more frugal lifestyle. Credit card debt elimination is something that's elusive to many - but it doesn't have to be! Consolidate your debts, take control of your spending... and then take control of your life.

Dina Giolitto is a New-Jersey based Copywriting Consultant with nine years' industry experience. Her current focus is web content and web marketing for a multitude of products and services although the bulk of her experience lies in retail for big-name companies like Toys"R"Us. Visit http://www.wordfeeder.com for rates and samples.

---

Debt Consolidation - Free Information About Consolidating Debt

Millions of consumers across the globe are searching for a... Read More

How to Find the Best Debt Consolidation Secured Loan

If debt is a way of life for you, it's... Read More

Debt Consolidation ? Options for Reducing Your Debt

Studies show that Americans are now saving less than ever... Read More

Bad Credit Debt Consolidation Loans

Are you looking to consolidate credit card or other debt?... Read More

Debt Consolidation ? Be Careful When Trading in Your Car

The automobile has long been recognized as the classic American... Read More

Debt Consolidation: Why And How This Strategy Often Backfires!

Debt consolidation solutions, has found that as good as it... Read More

Debt Consolidation Refinance Loans - A Great Way To Lower Your Bills

For millions of homeowners, refinancing is the perfect way to... Read More

Is There Something Called a Bad Credit Credit Card?

Is there something out there called a bad credit credit... Read More

What Is A Debt Consolidation Program?

Debt consolidation programs are devised to get you out of... Read More

Does Working With a Credit Counseling Organization Hurt Your Credit Score?

Credit counseling organizations do not lower your credit score when... Read More

Debt Consolidation: Friend or Foe?

Debt consolidation has become big business in this country over... Read More

Is Consolidating Loans Right For You?

Consolidating loans makes sense but only if you can pay... Read More

The Pros and Cons of Debt Consolidation Loans

You are swimming in debt. You have 4 credit cards... Read More

Shake off the Chains: Credit Card Debt Elimination is Easier Than You Think!

Feeling like you're on the brink of financial disaster? You're... Read More

Exploring Your Options for a Consolidation Loan UK

Whether you're wanting to consolidate your debt to avoid bankruptcy,... Read More

4 Debt Reduction Tips

If you are overwhelmed by debt, there are options you... Read More

Debt and New Spirituality

Overcoming the stigma of being in dept, grow in self-confidence... Read More

Finding a Low Interest Debt Consolidation Loan

If you are in the market for a low interest... Read More

Debt Consolidation Confusion

Learning about debt consolidation can be quite a confusing venture... Read More

Best Debt Reduction Service

There was a time when incurring debts was looked down... Read More

Debt Consolidation ? Consolidate Your Student Loans Now!

The Federal student loan program has benefited thousands of college... Read More

Debt and Bill Consolidation - Signs You Need To Consolidate Your Debt

If your debt is becoming difficult to get on top... Read More

What is the Difference Between Unsecured and Secured Debt?

A secured debt is a debt in which the creditor... Read More

Moving Debt Between Cards Can Save You Money

If you're like most people, you have plenty of credit... Read More

Getting Your Best Deal on a Consolidation Loan

If you find yourself having to make too many payments... Read More

Debt Consolidation Benefits

If you've ever been in a situation where you needed... Read More

Use Caution When Entering Into Debt-Consolidation Loan

To the person drowning in debt, a debt-consolidation loan looks... Read More

Debt Consolidation Primer ? Four Things You Can Do to Get Out of Debt

Problem debt is rampant throughout America. In addition to mortgages... Read More

Vultures and Victims

Has anyone noticed how many loan companies now fill up... Read More

7 Ways to Consolidate Your Debt

If you are in debt, you have several options available... Read More

Credit Counseling ? Six Tips to Avoid Counseling Scams

Credit counseling is a useful service for anyone with problem... Read More

Overwhelmed By Student Loan Debt? Consider a Consolidate Student Loan

A consolidate student loan is the perfect solution for people... Read More

Get Out of Debt

It is said that a pet tiger cub can become... Read More