I have been a slave to credit cards since 4 years ago and I am now still striving hard to pay back my lesson fee. I used to own 5 cards at the same time and I was proud to have those cards in my wallet. After some time, my card statements are getting thicker and my outstanding balances shown on the statements are increasing. I spent 50% of my monthly income to pay off the minimum monthly payment. I was almost flat broke and I nearly declared bankruptcy.

I attended one seminar which was related to financial planning and I realized that I must take some cruel actions towards myself. I set a plan and I forced myself to follow strictly:

• I destroyed all my credit cards
• I started to jot down all my daily expenses everyday
• I started my part time job as a cashier in one pharmacy nearby my house during weekend. I worked 7 days a week
• I stopped eating out and I forced myself to spend only USD 5 per day on meals
• I sold my car in order to pay part of my debts and I took public transport to work
• I forced myself to sleep at 9pm as I switched off all the lights and TV in order to save cost on utilities
• I stopped going to hypermarket. I only bought necessary items when I really needed them. I did price comparisons among different stores before purchasing things
• I stopped going for box office for 2 years

I almost gave up such lifestyle as I felt very bad and tired. I was depressed and I didn't know where I was heading to. I kept telling myself that I must be debt free no matter how hard my life is. I was doing all those things mentioned above in order to save more cash to pay off my debt. Finally I took 2 years to get rid of my credit card debt.

Until today, there are still banks and card providers offering their cards and services to me. I told myself that I would never get trapped in this hardship. Always say NO to this card!

Everybody just hate getting landed with huge credit card debts in such an early age. If you feel that the credit card debt is so overwhelming and it affects your work performance, visit CreditCardDebtSolver.com for more constructive tips about eliminating your credit card debt. Article Source: http://EzineArticles.com/?expert=Jeslyn_Jessy