Desperate for Credit Card Relief? A 3-Step System for Whipping Your Finances Into Better Shape


1. Assess the Situation – Your situation, to be precise. Take out all your credit card statements and see how much your total outstanding balance is. This can be a very scary process but if you’re truly serious about solving your debt situation, then you need to know precisely how much you owe creditors.2. Review Your Options – You have several options for paying down your debt, including Ï    debt consolidationÏ    debt negotiationÏ    filing for bankruptcyÏ    borrowing against your 401k, from the bank or from friends and familyYou may also get the help of a settlement company who, for a nominal fee, can drum out an agreement for credit card relief on your behalf.3. Make a Plan and Enforce It – Once you have a credit card relief plan laid out, it’s time to map out how much of your income needs to go to your creditors and how much you can use for your needs. Draw up a budget. There are many tools that you can use, ranging from the simple spreadsheet to more powerful software that lets you perform more sophisticated budgeting functions. Paying off your debts isn’t easy, but it can be done. Start by checking on your spending and learning better money management. Good luck!

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Carla Kaplan is a writer and researcher on credit card relief. Save time and money by getting FREE in-depth reviews, budget-savvy tips, and practical information here:
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