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.

---

Cutting Your Monthly Outgoing With Debt Consolidation

With consumer debt on the rise, many people have found... Read More

Debt Consolidation - Is It Really The Best Option For You?

It is a very common question that people pose to... Read More

Bad Credit Debt Consolidation Loans

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

Tracking Down Cheap Debt Consolidation Loans

In the modern world of expensive living and high interest... Read More

Debt Consolidation: A Way Out?

When you are living paycheck to paycheck and it seems... Read More

Getting a Better Consolidation Loan Secured

If you're looking for the best way to reduce the... Read More

Re-Mortgages ? There?s Help For Bad Credit Ratings On The Way

As any report on the subject will reveal, million of... Read More

What is the Difference Between Unsecured and Secured Debt?

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

What is a Debt Consolidation Loan?

If your objective is to reduce interest rates and lower... Read More

Debt Consolidation Loans: Thousands Now Out Of Debt, Who Never Thought They Would Be!

A Debt consolidation loan: Is a personal loan you use... Read More

Debt Consolidation

Sometimes life can get on top of you and out... Read More

Debt Consolidation with Free Government Grants? One Scam to Avoid

Have you ever seen a commercial or an ad promising... Read More

The Benefits of Debt Consolidation

It is quiet easy to get into financial difficulty having... Read More

Whats the Difference Between Debt Settlement and Debt Consolidation?

The Debt Settlement process involves negotiating with your creditors to... Read More

Debt Consolidation Loan and Consolidation Loans

Debt consolidation loan services act as a third party intermediary... Read More

Getting a Debt Consolidation Loan with Bad Credit

If you've ever tried to get a debt consolidation loan... Read More

Moving Debt Between Cards Can Save You Money

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

Debt consolidation ? More Options for Reducing Credit Card Costs

Borrowing money against your credit cards has always been among... Read More

Student Loan Consolidation

Student loan consolidation is one of the most used methods... 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

Debt Consolidation: Reduce Your Monthly Debt Payments Now

Debt consolidation is frequently becoming a very familiar term used... Read More

Finding a Low Interest Debt Consolidation Loan

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

Planning To Become Debt Free With A Consolidation Loan

If you have multiple debts, and are struggling to meet... Read More

No-Cost Student Loan Consolidation

No-Cost Student Loan ConsolidationA no-cost student loan consolidation ? doesn't... Read More

10 Pointers on College Loan Consolidation

Should I consolidate my college loans or not?1. Still in... Read More

Credit Counseling ? Six Tips to Avoid Counseling Scams

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

What Is A Debt Consolidation Program?

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

Are You Buried In Debt?

Are you having a problem paying your bills? Are you... Read More

Private Student Loans ? Dispelling The Myths

Private Student Loans ? dispelling the mythsIf savings, grants, scholarships,... Read More

Debt consolidation ? Options for Reducing Credit Card Costs

Americans are using credit cards more than at any time... Read More

Pay Off Debt - Get Out Of Debt And Lower Your Monthly Payments

Debt consolidation can be confusing, especially if you have never... Read More

Avoid Bankruptcy

The first but definitely not the easiest thought that comes... Read More

When Your Bills Are Piling Up Here Are 6 Different Ways to Consolidate

When it comes to debt consolidation some people dream of... Read More