I’m just not seeing any improvement with our economic issues. I couldn’t name one person that is doing any better than they were one year ago, many are in worse shape. Families are being torn apart, houses are being lost, unemployment numbers are still climbing, when is this madness going to end for goodness sake? The good news is that there are credit counseling offers out there that are being used to help in many ways. Since credit cards seem to be a big issue for most people, a good debt consolidation can save you a good amount of money each month.
I have managed to get rid of most of my credit card debt, but still have a ways to go to be completely debt free. I have checked into debt consolidation and I’m glad that it is an option, but I think I can manage on my own for now. My plan is to pay off and cut up these pieces of plastic that has made so many people’s lives miserable. I will keep my Visa card no matter what, but the rest have just got to go. Cash and carry is the best policy, but these days you do need at least one credit card and Visa is the way to go with my wants and needs. With an interest rate of 12%, I can handle that for now.