credit card debt woes

as i may have said in a previous post, i'm on my way to financial freedom and i'm so glad that my husband helped me out greatly in decreasing my credit card arrears after we got married.

but before that, i was living off my credit card like nobody's business. my pay was only so much but i had to maintain a certain lifestyle, so the credit card was an answer to my prayers. but i was up to my eyeballs in debt by the time i was 24! obviously stressed from it, i thought i was the only one in the world facing this problem. but when i shared it my frens, they then told me they were facing a similar fate.

not only in Malaysia does this phenomena happen, it is more rampant in developed countries. in the UK, credit card holders have become smarter on how to reduce their debts by using the balance transfer facility offered by many banks, for instance. i, too, have taken this option and have reduced a great amount of stress and also avoided an angina :D my last payment on this balance transfer is this month-end and i've already cut up the zero-balance card - good riddance!

but that's not the only path to choose to settle this problem. u don't really have to be credit card-less to be financially free because sometimes, u actually do need a card. all i needed was credit card wisdom...

sometimes i think the devil himself invented the credit card. but sometimes, having at least one can save you trips to the shrink ;) (read: retail therapy)

so i'm just gonna cut to the chase and make your life easier. if u don't want to feel alone about having a credit card debt problem, u should read these CREDIT CARD NEWS. u'd learn a lot from them caucasians :)

and if u're really looking for an end to your financial misery, try getting very sound CREDIT CARD ADVICE - how to reduce your credit card debt, how to save money with a credit card, how to make money with a credit card, and many more. u can then apply any of the advice to yourself.

happy debt-busting! :)

ps: for more info, click on credit cards.