Shred Your Credit Card Debt
December 24, 2007
So, you succumbed to the temptation and used your charge card to get you through the holidays.Ã‚Â Well, you can’t turn back the clock, nor stop the mailman from coming, but you can still exercise a little damage control.
Right now, get out your scissors and cut your way through to financial success. Although it may seem painful now, you will thank yourself tomorrow.Ã‚Â Cut through that magnetic strip or put your charge card through the shredder, either way will work.
If you can’t bring yourself to get rid of your financial security blanket, enlist your kid, nephew, or niece.Ã‚Â For once, they will have permission to destroy something and not get into trouble!
I speak from personal experience. While I was going to college and raising two small children on child support and food stamps, I used my good credit to pay the winter utility bills, buy groceries at the end of the month, purchase school clothes, and more. Well, you can guess what happened.
Suffice it to say, this year I liberated myself. Long before the holidays I took the shredder and a pair of scissors to my credit cards. Now, I am no longer tempted to spend money I do not have in the first place.
As a result, this Christmas was a cash and carry holiday.
Yes, I could still order items through the Internet.Ã‚Â However, I had to use my checking account debit card.Ã‚Â If the money wasn’t in the checkbook, I didn’t need what I wanted to buy after all.
I may still have a mountain of bills to pay off, but I have climbed to the top.Ã‚Â I know the mountain is not going to get any higher in 2008, because my scissors cut to financial success.
How do you plan to reach your financial goals next year?
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