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Reducing Credit Card Debt: The Best Time to Start is Now

By Michielle DJ Beck

Copyright 2010 Michielle DJ Beck

Smashwords Edition, License Notes

This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you're reading this book and did not purchase it, or it was not purchased for your use only, then please return to and purchase your own copy. Thank you for respecting the hard work of this author.

Nothing found anywhere in this book should ever be used as professional financial advice, and the author makes no representation that particular plans or ideas will work better than others for your specific situation. Always consult a licensed professional if you have financial problems or concerns.


Remember your first credit card? Like most people, you probably promised yourself, "It's just for emergencies. I'll never really use it." The truth is you probably meant it at the time. We've all heard horror stories about addicted shoppers who buy themselves into poverty with credit card debt. And we tell ourselves, "It'll never happen to me. They simply can't control themselves."

Then it happens – the first emergency. The car needs repairs, or the plumbing springs a leak, or an unexpected medical bill pops up. Your savings account is running on fumes so you have no choice but to pay the bill with a credit card. The situation certainly qualifies as an emergency, right? It's surprisingly painless to sign your name and promise yourself that you'll save every extra penny for the rest of the month and pay the bill in full to avoid interest charges.

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