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3. If you learned to spend, you can master saving (ultimately, it's all about saving). However, before spending more money on reducing your debt and increasing your savings, educate yourself. Go to Myvesta.org, a non-profit consumer financial education organization. You will find "how to" books, such as "How to Eliminate Your Debt Like a Pro" along with many other self-help resources. Don't let someone else do for you what you can do for yourself. Working through your debt as a fascinating experience allows you to own your choices by changing your viewpoint.
"Creditors have better memories than debtors." - Benjamin Franklin
4. Myvesta may not suit all your needs, therefore add
Alexa.com toolbar to research other similar sites.
5. If married, discuss credit card management with your spouse. Two issues undermine romance: money and...well, you know
other one.
6. Don't take a consolidation loan whether personal or home equity unless you find this
very last alternative. If you accept a loan, "shop...shop...shop 'till you drop"
interest rate.
7. If behind on payments, call credit card companies NOW...today...this minute. Find
right person for you to discuss your circumstance. If greeted with putdowns and parental tones, end
conversation, wait awhile and try another person. When you must, request a supervisor. Be gracious, professional and persistent with a plan of action.
Most Americans carry 5 or more credit cards around. Take four of them and bury them in
backyard. Keep one for emergencies. Diligent efforts now will guide you toward financial freedoms in
future. Best wishes; if you act on this or similar recommendations, you will stand in a small crowd. Best wishes; if you act on this or similar recommendations, you will stand tall in a small crowd.

Ray Randall serves clients as a registered investment advisor with Ethos Advisory Services, Essex, Massachusetts http://www.ethosadvisory.com . He has wide experience within the financial services industry, writes a weekly newsletter for Ethos Advisory Services, and coordinates Echievements .