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Consider A Program To Consolidate Your Debt
In the present climate of easy credit it is easy to get in over
your head with credit card debt. Many people do not realize how
many Americans are living payday to payday getting deeper and
deeper into the drowning pool of high interest revolving...
Hlw to Double Your Debt Collections
Believe it or not, the success of your attempt to collect a debt is usually decided right at the beginning of your phone call – with the very first thing you say after the other party says hello. Knowing exactly what you are going to say – and...
Online Gambling Causing Credit Card Debt
It is the latest craze at the moment and everyone seems to be enjoying gambling at home with the increase of poker sites on the internet, but its not good news if you are running up debts on your credit card. I don't know about you but it seems that...
Tips to Lower Your Debt Levels
With the levels of debt in America today many Americans should
take a compulsory course in credit and debt management.
Unfortunately, this ignorance in relation to positive credit
management means many Americans are doing untold damage to...
You Don't Have To Declare Bankruptcy To Deal With Your Debts
Considering filing bankruptcy? If your finances are in ruins and you're considering filing bankruptcy, there's a few things you should know. Bankruptcy is not your only option. Millions of people credit is devastated by bankruptcy every year....
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Get Rid Of Debt, What are You Waiting For?
The number one reason people don't get out of debt is they don't
try. This may apply to you. You want to, but never seem to do
it. You put it off for whatever reason.
You want to wait for your life to be just right before you make
the attempt. You tell yourself, when I get that new job, when I
receive the next promotion, or when I get my next raise, I'll go
to work on my debt.
Perhaps you are waiting for some artificially set date. You tell
yourself the first of the year will be a good time to start or
when you get back from vacation. Whenever it is, it is always in
the future.
I call this "perfect situation procrastinating". This allows you
to put off any action, while you wait for your situation to be
perfect. It reminds me of a story I read the other day about a
mother registering her daughter for kindergarten.
The mother, a school teacher, took her daughter to register for
kindergarten. They were greeted by the kindergarten teacher near
a table outside the room. On the table she had some paper and
crayons. The mother stood back while the teacher did, what the
mother recognized as, a simple screening of her daughter's
abilities.
The teacher asked the child to choose her favorite color crayon
and write her name on one of the pieces of paper. The
mother
hovering in the background, knew her daughter could not only
spell her name, but the names of all her family members. She was
pleased her daughter would do so well.
However the child just stood and stared at the crayons. The
teacher again asked her to choose her favorite color and write
her name. The child remained still. Her mother knew she could do
this but stayed back to allow the teacher to handle it. The
teacher then put her arm around the girl and told her it was all
right, she would learn to write her name during the school year.
As the little girl and mother rode home the mother asked her why
she didn't write her name. Her daughter responded, "She asked me
to write my name with my favorite color and there was no pink
crayon". The little girl, very capable of doing what was asked
of her, didn't do it because the situation was not perfect. Many
times we are the same way.
As you get ready to tackle your debt, do that of which you are
capable, not waiting for the perfect situation. While it is
important to have a plan, it is more important to just begin. A
plan may be adjusted as you go, but if you continually adjust
your start date, you will never put your plan into action. So,
start now, don't wait for your pink crayon.
About the author:
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| The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and ... |
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| Special report: debt relief | Special reports | Guardian Unlimited |
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| Debt relief - Wikipedia, the free encyclopedia |
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| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
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