Giving 50% effort to get out of debt

A lot of the articles, like this one, I read about people in credit card debt, people paying off debt or advice from a "professional" only goes about halfway when it comes to figuring out how to get out of debt. And that's by simply paying off the debt by paying anything extra income on top of the minimum payment. Sounds pretty simple if you want to take the next 5 or 10 years to do it. They never address the issue of how someone got into trouble to start with and that was the use of credit cards and spending more money than what they make. One needs to change their behavior and get rid of the credit cards because there will always be that temptation to use them even if you keep telling yourself you'll use it for emergencies only and you convince yourself that big sale at the mall is one. If you want to win with money, you have to change your behavior.

The Courier News :: Business :: Debt limits credit-offer advantages