"There are simple ways and means of reducing debt"

In a world where spending tomorrow’s earnings and cash has become the norm, it’s hard to imagine a life with financial, mental, physical and spiritual peace. But don’t be fooled.

Simplifying your life and living a ‘better life’ that is filled with purpose is just at your fingertips. And all it requires is taking control of your finances and your vital capacities of life.

Unfortunately, most people don’t know how to slow down long enough to take control of their own lives though. They continue on the treadmill and rat-race of life day in and day out – experiencing little joy and fulfillment with where and how they spend their time.

Credit card debt is one of your primary stressful causes and repaying it should be your key goals. This is actually the quickest way to financial independence. Creating a plan to repay credit cards is crucial.

It starts by slowly lowering the debt and then eventually eliminating it altogether.

Did you know that over 80% of college students finish school with some credit card debt? That means that most people beginning their working life begin with debt.

Unfortunately, most people just let it snowball from that point and credit cards become a way of life. This is especially true for people who demand instant gratification and subscribe to the "I’ve got to have it now" theory of life.

The first step to becoming debt-free is to avoid accumulating further debt.

Don’t continue to use your charge cards while trying to remove the debt! You’ll certainly fail. It’s best to destroy all credit cards except one major card with the lowest interest rate. Steer clear of the temptation to keep all of your cards in your wallet where they can be easily accessed and quickly ‘swiped’ through the cash register to add even more debt. Keeping that ONE card for emergency expenses or other critical purchases will be enough.

But remember which it does take commitment, determination, and persistence for this to work. We never said it would be easy. But it's possible and well worthwhile! This is one of a series of free articles we have produced for your enjoyment, we hope you enjoy it and if you do please send it on to your friends, we also welcome any comments

Andrew Edward