The funny thing about debt is that everyone has it, yet nobody wants it. That should tell you something. We have no choice in the matter. Think I'm kidding? Forget a house, try buying a plane ticket or renting a car using cash....IT WON'T HAPPEN! The fact is, we have to use credit. It's replacing cash.

Credit has become the "Invisible Currency"...You can't see or feel it, yet you use it just like cash everyday; AND, it's here to stay!

Need proof? Okay - Debit cards, credit cards, merchant cards, speed passes for gas and tolls, direct deposits, on line purchases, and the check out counter at every store in your neighborhood all use credit in some form, not to mention all the "Buy now, no payments for 2 full year deals" you see all over.

We need credit. Credit is a tool. Used wisely it can build. Used poorly, credit can destroy! The trick is to get it all in balance. Get your debts to a level that is comfortable for you to manage, and where credit is working for you instead of the other way around.

 

 

"In 1998, one million bankruptcies were filed in this country; then the largest number ever. In 2002 that number jumped to 1.54 million people, in 2003, 1.7 million people and in 2005 it topped 2 million people going bust in one year. From 1993 to 1996, our national consumer debt more than doubled from 245 billion to 514 billion dollars and by 2003 it went to 1.98 trillion dollars. That's about $18,700 per household for things like credit cards and automobiles. It does not include home mortgages." You'll be happy to know that as of 2008, that figure jumped to around thirty five thousand dollars per household.

 

So now you may ask: "If we have to use credit, can we ever get out of debt?" The fact is you can't, and contrary to what some folks would have you believe, you don't want to. Having no debt in today's world is as bad as having too much debt. I know this goes against the grain of what you hear today; especially with all the talk about the housing market crash, and the surge in personal bankruptcies.

But the truth is, it was conventional thinking that got a lot of people into that mess, or what I call the herd mentality, meaning, a cow will follow the herd simply because it's moving; there is no thought involved. It's time to break away from the herd and start thinking for yourself.

These are the same strategies my wife and I; and our family use, to manage our finances. They got us through some rough times; including periods of unemployment. Today we live a comfortable life style, own our own home and rental property and have money in the bank; and I believe these strategies can help you as well.

This is not about using gimmicks, playing with credit cards, debt reduction schemes, declaring bankruptcy or any of that nonsense. It's just solid and simple to use information that will get you back in charge of your finances, save you a lot of money, and give you peace of mind. What's more, there is absolutely no risk to you to try this.

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"How To Beat The Bank

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