Debt Free Diary - Reduce Credit Card Debt

The Power To Reduce Credit Card Debt Lies Within. Within YOU!

Hey Diary.

What's up?

Not much here. Anyway so today at skool there was this big debate about what we want for Christmas. Sure Christmas is like 355 days away but whatever. In any case it turns out that a ton of people try to reduce credit card debt this time of year, because they spend 2 darn much during the holidaze. Messed up! Why do people spend more than they have? Don't they realize that the best way 2 reduce credit card debt is to avoid it in the first place? This is insanity, Diary!

Y the heck do people not understand that credit card debt is a byproduct of wasteful spending, and that it can be easily avoided if U just stick 2 a budget and do not fall for any of the usual tricks? You won't need to eliminate credit card debt if you have not got any 2 begin with, right? Am I making any sense 2 U here Diary? Hello?
For instance a credit card will often give U the chance 2 pay only the minimum amount or some crap each month, but when U do that you carry over a balance and it gets hit with interest rates up the wazoo! This credit card debt consolidation is nothing short of maddening!

People ought to reduce credit card debt, not rack up tons and tons

Thence, people ought to think twice when they spend money. Don't U agree? Did U know that the average house hold has 10 credit cards Diary? Can you imagine how hard it's gotta be to reduce credit card debt when you have the possibility of racking up big debts on each one of those 10 cards? It's just crazy. What's crazier yet is that Mom watches Bridget Jones over and over again. I mean come on mom it's not that kewl. But then again neither is talking about credit card debt negotiation in ur diary.

The kids at skool make funname pretty good. But I digress.

Okay, so I know I have got to reduce credit card debt 4 reals

All I am trying to say, as a teen who wants the best for every 1 in this world, is that you ought to think about how you can limit your spending so that you never have to reduce credit card debt to begin with, and if it's past that point, what U can do to get yourself back on track. It's not rocket science, which I gotta think is harder than trying 2 reduce credit card debt. Of course I can't say from experience in that regard. I suck at science. Bad. My lab partner told me that and then everyone laughed.

I would get an "A" in Reduce Credit Card Debt 101 if that were a course, I bet you!