Their secret weapon against the credit card debt
TV commercials and dozens of emails ads that make big promises. This is a great idea to sell debt credit card with a phenomenal program or secret weapon that is only to achieve them. If you think about it, these people are completely negligible. They try to make money chasing people who are already too deeply in debt. Victims want the victims and in many societies, which put people in jail for that.
In any case, you know, and I know most of these productions, smart marketing to make debt credit card programs by some hot and expensive air. But there is a secret weapon under the nose, it is possible for their outstanding performance, can help you get out of debt credit card and keep it.
This secret weapon is pretty amazing, and you know, do not try to sell something to you, because the secret weapon does not cost anything, does not require that you publish anything and can be found at home and work without immediate no cost to you. But it is also a secret weapon that is not "sexy" and not let you go "OOO" and "ahh" is sent by printing with your design.
The secret weapon is a budget. Look, we said that the solution was not sexy. But if you know why credit card debt, you must analyze a rock solid budget laid the groundwork for long-term solution to the problem. Marketing can offer all kinds of fancy analysis and discussion on the cause of credit card debt in your life, the blame is put on everything from exchange rates of immigration to global warming . But it is good to point fingers in the wound. All that is right for you is to provide tools and weapons to solve the problem.
There is simply no way around this, you are in trouble with credit because they live beyond their means. In other words, you spend more than you do. This is not too much blame and guilt to throw. There are many situations that you can live above your circumstances. You could lose your job or cause have an emergency in the family's financial problems will be. But if money is more money than what comes, you have a problem that an increase in credit card debt.
To write a budget, you just sit back and take stock of these two factors. You inventory how much money you have coming in. Then take stock of the amount of money you pay. This step alone is a big step to get your debt problem under control. A spreadsheet program like Microsoft Excel is ideal for this type of household budget planning and analysis, because you can move things and let the computer calculate for you.
No excuses about it. If you do not know how to get a certain type of expense the cost of excavation receipts for the last few months and a feel for it. But if you know you know your income and your bills to see if there is a gap. Then you can make plans to close this gap, obtaining a higher income or cutting some bills or both.
It will not be easy and fun. But if you have a budget and stay there, you have the basic foundation for a family plan financially healthy and can go from there. You can go and use other tools to make your credit card debt under control, such as consolidation of credit card balance transfers. But do not do something before the secret weapon, and working with you. And that's the secret weapon of a family and household to achieve reliable.