What do I do If I can’t pay my Christmas credit card bills?  Is Credit Debt Settlement a good option.  Many American feel an obligation to provide gifts at Christmas.  It seems that the media is pushing the sense that we should be providing a gift for everyone at holiday.  The truth is that many Americans are still trying to pay off last Christmas while piling on more debt for this one.  The truth is that is just doesn’t work.  It is more like short term pleasure and long term pain.  Once the holiday is over you are left with the credit card bills to pay.  It usually ends up being more like worry and fear.  You mind will become occupied with strategies about how you are going to pay for everything.  Millions wont be able to keep and and will fall behind on their credit card payments.

What Are My Options If I Can’t Pay My Credit Card Bills? Continue Reading »

Why Christmas Is The Worst Time Of The Year.  The holidays can be very stressful.  There is a lot of expectation out there for giving and receiving gifts.  For many this year cash is tight but the expectations do not disappear. The pressure to look good for yiends and co workers by providing for all may be too much to bear.  You may be tempted to say screw it an put it on the credit cards.  Short term pleasure and long term pain.  Many people people are just to emotional in their decisions without thinking about the long term consequences.  The real suffereing wont come until those bills need to be paid in January.  Many of you are still trying to pay off last years offerings.  So the vicious cycle of debt continues.

Try Out Something New This Christmas

If you can’t afford it don’t buy it.  Whatever happened to the spirit of Christmas.  You wont go to hell if you don’t buy your kids new ipods.  The psychological rush of giving and getting gifts will wear off in a few days but the bills could last for years.  I actually respect people more who have financial boundaries and keep to them.  Discipline is freedom and peer pressure is prison.  Isn’t your peace of mind worth something.  I don’t want to be spending my nights worrying about how I am going to pay for the past.