Master the Card: Say Goodbye to Credit Card Debt...Forever! - Softcover

Paretta, Joe

Softcover

ISBN 10: 1452500851 ISBN 13: 9781452500850

Verlag: Balboa Press, 2010

Inhaltsangabe

Credit card debt can drain the life out of you. It can weigh on your mind all day and keep you up at night. But it doesn't have to be that way! Joe Paretta shares his own experience with credit card debt to show that you are not alone. He also describes the necessary steps he took to overcome this painful situation. Learn how to change the way you think about spending and debt, how to speak with confidence to creditors, how to strategize your payments, and so much more. Life is meant to be a dream, not a nightmare. When you Master The Card, you begin to master your life!

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Master The Card

Say Goodbye to Credit Card Debt ... Forever!By Joe Paretta

BALBOA PRESS

Copyright © 2010 Joseph R. Paretta
All right reserved.
ISBN: 978-1-4525-0085-0

Contents

WELCOME..............................................................ixChapter 1 MIND OVER MATTER...........................................1Chapter 2 BLACK AND WHITE............................................11Chapter 3 STOP!......................................................21Chapter 4 LET THE SAVINGS BEGIN!.....................................27Chapter 5 CHIP, CHIP, CHIP AWAY......................................37Chapter 6 GIVE ......................................................47Chapter 7 ... AND "TAKE"?............................................55Chapter 8 WHAT DO YOU WANT TO DO WITH YOUR LIFE?.....................63Chapter 9 NOW, THE END IS NEAR ......................................75Chapter 10 "A FINAL WORD"............................................79ABOUT THE AUTHOR.....................................................93

Chapter One

MIND OVER MATTER

"What's the matter?"

How many times have you heard that question? The most common response to that question is "Nothing," which frequently translates to "Leave me alone!"

Now, however, something is "the matter" and most importantly, you are facing it, and not hiding from it. GREAT!!

Maybe this credit card debt has been gnawing at you for a long time. Maybe it has frustrated you, angered you, but you didn't know what to do about it. Fear not! You are NOT helpless!! Others, like me, have climbed out of the debt hole and are now standing solvent ... happy and at peace. You will, too!! This book will show you how.

The first thing to know is that this "climb from debt to freedom" is a psychological one. In fact, it's as much psychological as it is material; for some, it might be EVEN MORE psychological than material. By this, I mean that if you believe that you can be debt free, you will be. If you see yourself as debt free, you will be. Ask yourself what a life of debt freedom looks like just for you. How would you feel? How would you think? How would you act ... on a daily basis? How much different would this life be from the one that you live now? Many people cannot imagine this type of life because all they've known until now is payments, overdue notices, collection calls, and at the very least a paycheck-to-paycheck existence. Of course, this weighs on your mind; it's how you've been conditioned for so long. So with knowledge and a determined effort to rid this toxin known as credit card debt from your life, your mindset will ultimately change from one of poverty to one of prosperity.

As you forge your way, there will be some days when you will feel great, like you are making huge strides toward "Zero Balance Land." And you are, simply because your thoughts are now focused on the positive, proactive steps that are required to reach solvency. Your actions then are "reflections" of your thoughts and when you progress with your goal in mind, there's only one way to go.............FORWARD!

Then there will be other days when you will want to "throw in the towel" and give up. The "unexpected" events of life happen and usually at the "wrong" time (like there's ever a right time for the problems of life). The car breaks down, your child breaks his/ her arm, the water heater springs a leak, and (add your own items here). These are the circumstances that will test your endurance to see how "serious" you really are about getting out and staying out of credit card debt. This can happen at any time: as soon as you decide to begin your journey to freedom, when you have made a significant dent in your indebtedness, when you are nearing total freedom from debt or at any other point along the way. In other words, be ready every day to face this challenge. I'm not saying to expect it every day. You don't want to taint your voyage with negative thoughts, just like you wouldn't want to fear getting lost every mile of the way along a cross-country trip. However, be prepared. What will you do when these things happen? How will you respond? It's not a question of if these challenges occur; the question is, "How will you act when they occur?" It is a choice — will you be proactive or reactive? Will you remain victorious and positive and consider alternatives to encounter this unforeseen occurrence, or will you be a victim whose negativity blocks you from envisioning creative solutions to these events, solutions that will help you to avoid debt and keep you on the road to affluence?

Again, it is a choice.

Trust me, expect both types of days along the way. There will even be days when you will not think about your debt at all. Imagine! It might be hard to believe now, especially if you are a frequent card user who habitually "swipes" it for everything from a twenty-five-cent pack of gum to a $2,500 vacation. But yes, there will be times when your credit cards will NOT weigh on you. You will not think about using them, and you will not think about your outstanding balances. When this happens, you'll know that you are starting to get a handle on your card use, your overall spending, and simultaneously your debt load. You are reforming your habits. You'll realize that those little pieces of plastic are not necessary appendages. They are simply little annoyances which now have a gradually diminishing effect on your life. AWESOME!! That's a step in the right direction.

Let's have some fun as we embark on this journey together.

"Debt? Fun?!?"

Yes, let's make it a game — dare I say a "Mind Game?" The "Mind Game," however, has positive results. You are the only player; you make all the rules. There are no losers and only one winner........................YOU!!

In this game, you must first change your mind about credit card debt. Until now, you may have thought that you had to use your credit card many times during the course of the week or the month in order to make ends meet ... or to survive. It doesn't need to be that way.

So the first "rule" is to think about how you use credit cards. It's possible that that "swiping motion" you've been making at cash registers all over town has become a "reflex action." It has become such a habit that you don't hear the trumpets blare or the chorus chant "CHARGE IT!" as that piece of plastic runs through that "friendly" device, which ultimately pushes you deeper and deeper into "the abyss." It has become a "mindless" habit. Now that will change.

To gain control of your spending, I highly recommend that you track your spending in writing. You want to make yourself accountable for every penny you spend. This may sound tedious at first, but like any habit, it will become second-nature once you get used to it. And whereas your habitual credit card use caused harsh consequences in your life, listing your cash purchases will be empowering because you will see immediately where your cash is going. It "hurts" a little when you spend cash; your wallet or pocketbook feels a little lighter. When we use cash, we actually have to part with something, and many of us don't like parting with our money. But this is really the only way to break our "reliance" on credit cards. So, writing down your purchases and their costs gets you thinking about what you buy and why you buy. This was the first proactive step I took once I decided that I was sick and...

Details zur Ausgabe

• Verlag: Balboa Press
• Erscheinungsdatum: 2010
• Sprache: Englisch
• ISBN 10: 1452500851
• ISBN 13: 9781452500850
• Einband: Taschenbuch
• Anzahl der Seiten: 108
• Kontakt zum Hersteller: preigu GmbH & Co. KG; mail@preigu.de; ; Lengericher Landstr. 19; Osnabrück; Niedersachsen; 49078; Deutschland