Credit card debt is not any thing easy to get out of. It sure is easy to get in to debt but you have to scrape and crawl your way out of bottomless black hole.

Americans are saving less and charging more. We live in a world of, I want it and I want it right now. What ever happened to waiting or putting off pleasure? Credit card companies have made it too easy for us to live beyond our means. We cannot blame the credit card companies for all of our debt. We need to learn to tell ourselves "NO". We also need to learn to tell our children "NO" also. We need to learn self control and think about tomorrow and not what is going to make us happy today.

I recently saw a commercial that Gary Coleman was in. It was for one of those "payday loan" places. I am not certain on the company so I do not want to bash the wrong one. Although, I would not promote any of them. I was watching the commercial and then I saw the small print come up on the screen and I have Tivo, so I hit the pause button. I nearly fell off of my sofa when I read that you can borrow $2500.00 at 99.25% interest. After making payments back to the company you will repay over $9000.00.

What part of this sounds like a good idea? I guess desperate people call for desperate measures. Even if a family members’ life depended on me giving them $2500.00, I would sell my car before I would borrow money at nearly 100% interest. That is "highway robbery" at its’ best.

I have managed to crawl out of credit card debt, it has took me almost 10 years to do so. I still have a student loan and car payment. You can read about my journey to pay off these debts and never go back in debt forever and ever amen at www.DebbyBanning.com .

I hope that I can inspire someone to look at themselves and their behaviors and make a change. Take your credit cards out of your wallet and put them in the shredder. Not only will you save yourself money but your shoulder or back pocket will thank you when they feel lighter from carrying the weight around. Not just the weight from the credit cards but the weight from the burden that you carry from charging items that you probably do not "need" anyway.