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Why are we in debt? Why do the majority of all people live beyond their means?. We all have debt,pacman game, this seems to be the nature of life,dead space poster, but we have to ask ourselves why our debt usually equals or is greatger than what we can afford?

The answer is pretty simple. The creditors make it easy to obtain debt and this is how the credit card companies become profitable. Sadly they actually love for us to fall behind.

Everyone likes to get paid in a timely manner,find angry birds, but lending companies more often than not allow the opposite. They make it easy for you to be late!

Now keep in mind the credit card companies don't want you to be too tardy or to not make payments at all,online car games for kids, but a week or two is ideal for them. Let's find out what a late payment means to them. You still make payments,real racing, but you are a couple of weeks late. Their fee for being late is $30. lending companies just made $30 for what? Nothing! You're already maxed out,galaxy 10.1, so basically this charge puts your account over your max. Basically giving them an addition $30 for,android apps list, again,xbox gta, doing absolutely nothing!

You can now make your minimum payment of twenty dollars. The math does not work in your favor. Let's just say that you have fifteen dollars in interest for the month. Your total costs are; $15 in interest + $30 late charge + thirty dollar over limit fee,pes 2011, equiling $75 charged to your account. You make a payment of $20 to the account,critical fruit ninja, essentially leaving you fifty five dollars above when you started and unfortuantely you have zip to show for it.

This is why credit cards are bad and we have to learn to get by without lending companies!

To get started in the plan to get ride of your credit cards is to gather up all of your credit cards and cancel them. You can save one,cut the rope help, but get rid of the rest. If you are going to keep one just pick the one with the lowest interest rates and hopefully one with no annual fee. Put your card in a safe place that isn't readaly accessible.

This may seem extreme,clash of clan forums, but lots of Canadian's do not have the ability to restrain themselves to simply not use the account. Most people look at their credit card statement,ps3 games, see fifty dollars or one hundred dollars in available credit and look at it as money they can spend. There is nothing free in this world.

If you could not force yourself to cancelling your cards,free slots downloads, at least put them together in a box up and hold them in a place that would take some effort to access. The freezer is probably a good idea. Another solution is to have a person that you trust hang onto them or encourage you not to use them.

The main thing is not to have them accessible for those impulse purchases that you come across every day. If we pass the situation,free online racing game, chances are that we will recognize that we don't need to make that purchase or probably forgot about it all together. By doing this we're even closer to getting out of debt.

You need to get rid of the credit cards that you are no longer going to use. Most cards have an annual fee,xobx 360, which could be anywhere from thirty dollars to $100. This is an un-nessasary expense that you can use towards the principal.

most companies may charge you a fee to persuade you to stay with them. At this point you need to analyze the impact. I recently cancelled a card that is charging $3.50 a month in closed account fees. Lets say your annual fee is fifty nine dollars,free online browser games, twelve months at three dollars and fifty cents is forty two dollars. We're still ahead of the game by $17,games car racing, or more,thor movie 2013, if we pay it off within twelve months. The most important part is that there is no way that I can use that card again and worsen your situation.

Now that the temptation is out of the way you can start paying them off. Just remember to pay at least the monthly minimums,new free online games, pay all accounts on time,jetpack joyride tips, and stop using the cards. Now step back and enjoy the road to financial freedom.