If you are feeling down, useless, even suicidal, the Samaritans is a wonderful organisation that is there to listen to your problems, no matter how big or small. They will not judge you, they will not tut tut at your past mistakes of perhaps over spending and getting in debt. They will simply let you air your concerns, worries etc. Talking to someone can be a great help, rather than bottling up all your stresses and strains, and you can stay anonymous. Sometimes it is easier to talk to someone you do not know rather than family members who might worry, or react to what you have to say. If you are very down even go to see your GP, try and stay strong and remember tomorrow is another day, just keep fighting and never give in. Good luck.
http://www.samaritans.org/
Showing posts with label credit card debts. Show all posts
Showing posts with label credit card debts. Show all posts
Wednesday, 15 February 2012
Tuesday, 27 December 2011
Cut up Your Credit Card
How about at 12 midnight on the 31st December you cut up your credit card into 12 pieces, and bin it. You will then not have the temptation to buy anything with it, and can focus on clearing the debt. Make no mistake it can be very hard, especially if you rely on it for bills etc, but you'll find that if you haven't got it, and you can't afford a bill on a particular day for say electricity, all it means is that the electricity company has to wait until you are paid. The big utility companies etc must love the fact everyone has credit cards because it means they get paid when they want and do not have to wait until people have money to pay them.
Credit cards are not a 'service' they have been designed to leech as much money out of lenders as possible. They have interest rates set at a level so people never pay them back. Notice when the Euro crisis was happening they mentioned about countries like Greece getting bonds at 7%. This was the level of interest the journalists was saying was the limit before countries would not be able to pay back the debts, a credit card typical interest will be 18%, so clearly they are at a level that the financial press have let slip is way beyond a rate that can be paid back. They are a monumental rip off and if I was PM they would be banned from Britain!
Credit cards are not a 'service' they have been designed to leech as much money out of lenders as possible. They have interest rates set at a level so people never pay them back. Notice when the Euro crisis was happening they mentioned about countries like Greece getting bonds at 7%. This was the level of interest the journalists was saying was the limit before countries would not be able to pay back the debts, a credit card typical interest will be 18%, so clearly they are at a level that the financial press have let slip is way beyond a rate that can be paid back. They are a monumental rip off and if I was PM they would be banned from Britain!
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