Kimbery Credit Counselings Blog
Friday, February 20, 2004
Credit Counseling Tip:
Many people get in trouble with their credit card debt and join a credit counseling program could have avoided the financial situation they may be in by following a few basic guidelines set below:
1) You should live by your budget. Make a realistic budget for yourself which includes your monthly bills, your credit card payments which you should be paying at least double the minimum payment that you are required to pay, holidays and gifts, savings and other expenses you may have.
2)You should try and use credit cards only in emergency situations or when you have the cash on hand to pay for your purchase in full when you receive your bill. One of the most common mistakes people make is over extending themselves, that they can barely make their minimum payments. Follow these 2 steps and you should be OK.
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