Resisting the Credit Card Urge
Whether you are trying to get out of debt, or stay out of debt, temptation can be your biggest enemy. Many people get into debt, only to get right back in within two years. The temptation is having what you want, when you want it. However, there are ways you can afford to live without that urge and keep your credit in check…and they aren't hard either!
Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
Helpful Loan Tips:
- Apply with more than one company to compare offers.
- Study your options before committing to a debt program.
- Cut out small luxuries to pay down debt at the beginning of your debt reduction program.
Only get what you need
Look at your cards and evaluate what you use each one of them for. You may have a few department store credit cards, and a few cards that you may get bonuses for such as air miles or Disney points. You don't need those!! The department store cards, while most offer you a discount several times a year, often come with one of the steepest interest rates you will ever see. The trick about the rewards cards is that you can't get the rewards unless you pay off the credit in full! So if you buy two thousand dollars worth of junk to get enough air miles to fly to Vegas, you'd better have two thousand bucks in cash to pay that off so you can actually go! So if you are going to have credit cards, just have what is absolutely necessary for emergencies, maybe just one good card with a decent spending limit and low interest rate.
Cut them up!
If you are swearing not to use the cards, then cut them up! If they have a balance on them, write your card numbers down so you can continue to pay them off, if not call and cancel them. That way, the next time you see something you really want, you won’t be tempted to dig that credit card out of its hiding place and charging more money to it.
Carry Cash
When you go to the grocery store, the drug store, or even out to the bars, only carry cash and an id. If you don't have your card with you, you can't spend on it. This also serves as a very good budgeting tool. When you go out for a night of drinking with your friends say you are only going to spend a certain amount. Take that amount out of the atm, and when you run out of money, you are done partying for the night. You may be less tempted to get those expensive mixed drinks and stick to beer, when you only have a few bucks left!
Our Recommended Debt
Consolidation Lenders: Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
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