You’ve heard the hype.  You’ve heard the warnings.  Your credit card debt is looming, and now you’re wondering…What do debt counseling services do?  Can they help me?  Should I use one? There are a variety of debt counseling and consolidation companies out there.  Some are non-profit, some...

The amount of credit card debt American’s are carrying is continuing to increase.  The average family right now has almost $10,000 in credit card debt.  So, whether you are above average, below average, or just average, you may be wondering what you are going to do.  There are several things you...

My three year old has taught me a valuable lesson.  We were at the grocery store the other day, and he was playing with my purse while I was finishing up at the checkout.  Rather than pull out my checkbook or cash, he immediately pulled out my credit card and tried to swipe it through.  That’s when...

We’ve all seen the ads on TV that promise to help you get out of debt.  They promise to work with your creditors, lower your payments, and lower your interest rates.  Then we see individuals who swear it worked for them and now they are debt free.  But, that little voice in the back of your head...

It’s time to get a brand new attitude on credit card spending, and you can start by creating a pay-off plan!  Don’t think that you are the only one out there struggling with credit card debt.  There are a lot of people who are in this same boat.  You just need to know how to get started. First,...