Credit card debt relief is what every debt-struck credit card holder is looking for. Credit card debt relief is not just about reducing or eliminating credit card debt; credit card debt relief is also about getting de-stressed.
Credit card debt relief is about working for oneself and not just for the credit card debt that you have on you. Yes, it's unfortunate but true. In fact, you can hear statements like 'I have got a better job, now I can pack up my credit card debt even faster'.
So, in that sense, credit card debt relief is really about getting your life back on the normal track.
The most important credit card debt relief comes in the form of de-stressing you. Everyone knows about the harmful effects of stress; so, if credit card debt relief means postponing your purchases for later, you should do so. There are no goods out there that can give you as much joy as credit card debt relief can. Besides postponing the purchase of your favourite goods, there are few more things that you need to bring into practice in order to get credit card debt relief.
Most of these credit card debt relief mechanisms advocate restraint spending e.g. preparing a (tight) monthly budget and sticking to it. Using cash instead of card for making the payments for your purchases is another advice. Debt consolidation is another popular way of getting credit card debt relief.
You will find a lot of advice (and you can even hire a consultant) for ways to achieving credit card debt relief. So, there is no dearth of advice on credit card debt relief or credit card debt consolidation or credit card debt elimination.
However, what is not so common is the advice on how to act in the post 'credit card debt relief' period i.e. after credit card debt elimination. It goes without saying that if you don't exercise care in the post 'credit card debt relief' period, you might again fall a prey to credit card debt.
So, if you have been refraining from making purchases, you should not, all of a sudden, start purchasing all those favourite goods that you had been avoiding. The recommended guidelines for post 'credit card debt relief' period are not much different from the ones for achieving credit card debt relief.
Here are the top 5:
- Plan your expenses using a monthly budget
- Do not buy anything that you don't need
- Do not go for too many credit cards (just one or two should be sufficient)
- Always make full payments of your credit card bill and do it before the due date
- Never use more than 60-70% of the credit limit available to you.
Written by: Uchenna Ani-Okoye
Debt Relief Books
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The Battle Scarred Guide to Small Business Debt Relief and Recovery: No-nonsense, spill the beans lessons from a turnaround professional List Price: $24.95 Sale Price: $24.95 |
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Discover how to save your troubled business and get back on track by using the same practical, well proven strategies employed by turnaround professionals. |
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Debt Relief and Beyond: Lessons Learned and Future Challenges List Price: $29.95 Sale Price: $29.75 |
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The history of debt relief goes back several decades. It reveals that a country s accumulation of unsustainable debt stems from such factors as deficiencies in macroeconomic management, adverse terms-of-trade shocks, and poor governance... |
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Debt Relief for the Poorest: An Evaluation Update of the HIPC Initiative (Operations Evaluation Studies) List Price: $15.00 Sale Price: $14.99 |
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In the past decade, debt relief has become an increasingly significant vehicle for delivering development aid. This update builds on the findings of the 2003 independent evaluation of the Heavily Indebted Poor Countries (HIPC) initiative... |
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To Pay Or Not To Pay: Insider Secrets to Beating Credit Card Debt and Creditors List Price: $10.95 Sale Price: $2.07 |
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Blowing the Whistle on Credit Card Debt List Price: $39.96 Sale Price: $35.95 |
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Imagine telling a debt collector that he has the right to remain silent and that anything he says during his collection call can and will be used against him in a court of law. This book is not only outrageously empowering, but equally the most comprehensive and educational text within the series of my Winning the Collection Game volumes. |
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How To Get Credit Card Debt Relief List Price: $4.95 Sale Price: $4.95 |
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People use credit cards for many reasons: to handle emergency situations, to pay for necessities when cash is short, to make special one-time purchases, to live beyond their means...Written by experts in the field, Quick Easy Guides share little-known trade secrets and helpful hints to get you moving in the right direction... |
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International Debt Relief (Routledge Studies in Development Economics) List Price: $160.00 Sale Price: $143.27 |
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International debt relief continues to be a highly controversial subject. Although many heavily indebted poor countries have received large amounts of debt relief over the past quarter of a century, it doesn’t appear to be enough... |
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The Administration of Debt Relief by the International Financial Institutions: A Legal Reconstruction of the HIPC Initiative (Beiträge zum ausländischen öffentlichen Recht und Völkerrecht) List Price: $119.00 Sale Price: $113.05 |
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This study addresses the mechanisms of debt relief for Heavily Indebted Poor Countries (HIPC) jointly coordinated by the International Monetary Fund and the World Bank. It describes the content of the HIPC program and classifies it as a legally non-binding instrument under public international law... |
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The Credit Secrets Bible Sale Price: $67.75 |
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Credit Repair and Bankruptcy Are Just About Illegal! Only 1 out of every 5 Bankruptcies is a Chapter 7 Bankruptcy, Debt Forgiveness. 4 out of every 5 are forced into Chapter 13! Commonly referred to as Debtors Prison! You Will Have To Repay Your Entire Debt! Don't let this happen to YOU! How can you prevent it? You need the Credit Secrets Bible - All new for 2007, The Credit Secrets Bible (CSB)... |
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