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Smart Spending: How To Stop Drowning In Credit Card Debt
I read an interesting statistic the other day on Indexcreditcards.com. The site said an average American is carrying $4,013 in revolving debt and the average household is carrying about $7,861 in debt (mostly credit card). This is an astonishing stat considering only 25% of American households don't have credit cards. This means the average debt for credit card holding households is over $10,000.
This, my friend, is a fiasco! There is no tiptoeing around this. If you are one of the 75% of American households who use credit cards and you want to get out of debt, you must, must, must STOP using your credit card for anything other than large purchases that you have planned and saved for.
Okay, I know once in a while you get one of those 0% interest limited-time offers and this may be a good way to finance a short-term "loan," so to speak. (This is how my husband and I paid for several thousand dollars of extra expenses for our wedding without paying a CENT of interest.) But if you are using your credit cards for things like gas, food, utilities, or even to make your tax payments, you are in trouble! It's time to take radical action.
Here's what I want you to do. Keep your debit card in your wallet or purse—that one is okay since you have to have funds available for it to work—and get a nice big jar. A pasta sauce or salsa jar will do very nicely. Fill that jar with water.Now drop your credit card in the jar and say these words (spoken once by the ever popular X-Men character Storm)"I summon the powers of the arctic winds." Go on, do it! Now, open your freezer door and nestle that jar FAR IN THE BACK!
No, I'm not kidding! You've got to put a freeze on your spending—You are out of control! Most people buy on impulse, so having your cards frozen—literally and figuratively— is the perfect tool. If you really, really, really want that Christian Dior tawny faux fox muff, you'll have to wait till the ice thaws out—which means, you'll be out of the store, you'll be back home on your couch, and chances are what seemed SOOO important at the time will take a back seat in your mind. You may be reluctant to try, but let me assure you it works!
You've got to stop using credit for essentials and impulse buys and instead align your spending with what really means the most to you. That, my friend, is not that faux fox muff no matter how hard you may try to convince me it is.
Of course, if you ARE one of those households with lots of credit card debt you also need to do several things: 1) call the company and try to negotiate for a lower interest rate; 2) transfer your balance to a lower rate card you already have; 3) pay off your highest interest card first; 4) make it a game to see how fast you can pay down ALL your credit card debt; 5) give yourself rewards along the way—a day at the swimming pool, a hike in the woods, things you love to do that cost little to nothing.
The most enjoyable things in life are neither expensive nor hard to discover. It's time that you stop drowning yourself in debt by overusing credit and instead get out of deep water. There is only one way to end credit card debt. In the words of your local police officer "FREEZE!" Freeze your account before it pulls you under.
About the Author
Dr. Barnsley Brown is a professional speaker and coach who loves helping busy professionals create balance and prosperity. Grab your copy of Dr. Brown's empowering e-book and audio package, Get Out of Debt and Get On With Your Life at http://tinyurl.com/drb-getoutofdebtnow
Electro-Harmonix Big Muff Pi with Tone Wicker demo
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Big Muff Pi - What's the difference/worth?
Question:
I'm seeing some big muffs on ebay going higher than others. Obviouslly the old ones will do, but my question refers more to the 90's versions. I have a sovtek green case. I'm seeing some say transition muffs between green and black. ? Basically, one went high bucks for some reason, maybe mine's the same. how to tell? thunks
Answer:
From what I gather, the Sovtek ones are cheaper, and what matters is what kind of transistors they use.
http://en.wikipedia.org/wiki/Big_muff
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Electro-Harmonix Big Muff Logo T-Shirt $13.99 Electro-Harmonix Big Muff Logo T-Shirt |
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Electro-Harmonix Big Muff Pi with Tone Wicker $92.7 The Big Muff Pi w/Tone Wicker takes the classic Big Muff Pi and adds some new dimensions to it to allow even more tonal possibilities. |
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Electro-Harmonix Little Big Muff Pi $70.5 The Electro-Harmonix Little Big Muff Pi is based on the world famous Big Muff, so that alone tells you about as much as you need to know about it! It's a bit more "simplified" than the standard Big Muff, but don't let the word "simplified" scare you - this pedal sounds fantastic! |
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Electro-Harmonix XO Bass Big Muff PI Distortion Effects Pedal $83.1 Electro-Harmonix XO Bass Big Muff PI Distortion Effects Pedal |
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Electro-Harmonix Big Muff Pi Distortion Sustainer $81.6 The Electro-Harmonix Big Muff Pi has been used by countless musicians such as Hendrix and Santana who relied on for its rich, creamy, violin-like sustain. The Big Muff has been defining the sound of rock guitar for the past 30 years. |



























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