Becoming a Lifetime Member of the Pay-the-Man Club

December 28th, 2009 |

Credit card debt is very easy to get, as a matter of fact, it’s free. You start with one of the free offers that come in the mail, max out the card by getting lots of cool stuff and there you have it. The second and third cards are just as easy. Perhaps that third card or even the forth was intended for paying off the first but human nature kicks in and now you are in debt. Granted you have lots of new stuff or had some good times but now it is time to pay up. Great job, that is exactly what you were supposed to do and now you are a long time, if not a lifetime member of the “pay the man” club.

Credit cards are big business and the companies that issue them know all your buttons, when and how hard to press them. Getting out is an option though but it is a mind game and you have to be very strong. Having someone else’s money at our disposal makes it very easy to live beyond our means and to develop spending habits we can’t afford on our own. The best way to get out of the cycle of debt is to take a realistic inventory of these habits. If this is done with diligence you may be able to expose subtle routines and mental triggers that result in unhealthy financial behaviors.

Being able to differentiate between the things you need and the things you simply want can be a liberating experience. Acting on this knowledge is another story. It takes a solid mind set with specific goals in place in order to conjure up the perseverance and discipline necessary to change your lifestyle to the point where you no longer spend beyond your financial means. Once you get your lifestyle back into check you still need to pull it back another notch in order to get out of the debt hole you been digging with borrowed money and the accumulated interest.

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