If I ask you what most Americans debts, you will surely say that the mortgage or student loan payments, right? Well, actually, Americans spend more money on monthly credit card sales than the mortgage!
As a former credit card offenders, I read a lot of advice about how to pay credit card debt ... especially those who said, "Order all your credit cards to pay the interest rate and the one with the highest interest first." Then there was another one that said "Pay the credit card with the lower debt first, this is a positive effect in your self-esteem ..."
But no matter what I did, I always one step forward and ten backwards! The main problem was that I did not buy without my plastic money ... I thought to have a card that meant more money all the time. So, I have to buy several small payments, but at the end of the month, were the total amount of all those small payments to pay off a huge bill impossible.
Everything is about the training ... No one taught me how to use them, nor how to pay. So, how do I pay off my credit card? With a large pair of scissors! I cut all my credit cards in half! And replace all of them for debt cards. Of course, if the seller told me "Sorry, there is no enough money in this account" and I had left the beautiful new pair of shoes that I bought, I felt like hell ... but I'm learning that I do not need these shoes and at the end of the month they would have a headache.
I needed a piece of advice, many of the consultants was not helped much, but mostly because of me. I had a problem. I did not understand the real concept here! Once I understood that I was the problem, things changed. And sometimes sounds very simple, but many people (myself included) do not realize that what you purchase that needs to be paid! However you choose to pay with plastic, plastic has to be real money and you also have to add the interest!
You can take note of what you spend, you can keep the receipts, there are many techniques, but the important thing is to recognize that you have a problem and you need help with your financial status....
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