Beat Credit Card Debt

Walking around the city or just roaming around the mall makes you feel a bit boring unless you are going to pick up something or purchased stuff that you need or eat when you are hungry. But most of the time it’s not need that make us spend our money but our wants and things that we really don’t need in our day to day life, not to mention that yes we got our handy dandy credit cards, those things are just a swipe away.

Now that is where the problem starts because you tend to spend more and more as we enjoy swiping our precious credit card, not knowing that we are increasing the chance of spending more than using money itself. I will not use statistics here but pure common sense, it is very obvious that we are not saving money when we are using credit cards but the truth is we are spending more and losing more especially if we don’t pay on time or just pay the minimum amount to be paid every month.

It’s a bit cool to carry that credit card into your possession but it’s not cool if your credit card debt is rising above you than you rising over it. I suggest you need to re evaluate yourself. We cannot end your debt but at the least we could reduce your debt First things first, learn to prioritize your needs. Second, learn to differentiate the needs from your wants. Third, just be wise in using your credit card, it’s not a toy but it’s a responsibility, always remember to consider everything that you purchased, use it when its needed not when you just want it.

These are just simple things to consider, if you want to rise over your credit card debt then consider those things that I’ve said, just very simple no mathematics, just plain common sense. Be a responsible credit card holder.