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You need to differentiate between the various sorts of financial problems. For example, a financial emergency is when you suffer a situation that can leave you penniless, homeless or without any important property. You ought to separate these types of emergency from a threatening phone call or a letter from a bill collector, even though they are unpleasant enough too. [...]
Just ask yourself: is the credit card work for me or am I working for the credit card? Most people’s answer to this question will depend on how they use their “plastic pal” as credit cards are often known. As many people with huge credit card debts will tell you, they didn’t realize that things were so bad until too late, because most credit card companies try so hard to make themselves seem like a charity. Well, take it from me, they aren’t. [...] |
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