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    Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt
    Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt
    Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt
    Ebook68 pages59 minutes

    Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt

    By Muralidharan Jayaram

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    About this ebook

    Are you in credit card debt? Credit card debt can be crippling. You will be wasting a lot of money n terms of high interest, late fee, over the credit penalty fee and all other expenses that are related to credit cards.

    The Credit Card Debt Problem:
    Handling credit card debt problem needs both a tactical and a behavioral change approach. If you are in credit card debt, then you would have developed bad habits that lead you deeper and deeper into debt.

    The Solution:
    Credit Card Debt? How to stop drowning in a sea of credit card debt e book will teach you the balanced approach to getting out of debt and staying debt free. You will learn the actual cause of how people get into the debt. You will also learn tactical approaches that will help you to stop the wastage of money immediately. In fact, the few tips that are in the first few chapters itself will save you a lot of money, and you will get return on the investment in this e-book easily.
    This e-book has ideas that will help you to change your thinking, behavior and habits that have caused all the trouble for you. This e-book is well written with a lot of diagrams, tables, self-assessment questionnaires and exercises that will quickly get you out of credit card debt.
    You will learn and apply personal change principles that will quickly give you results in terms of change behaviors and attitudes. Many of these principles have been drawn by the author from his experience of consulting worldwide for Fortune 100 companies and United Nation's agency. These principles of change have been tested across all the cultures and are found to be very effective.

    Contact with the Author:
    You may also interact with the author Google plus and Facebook's pages by joining them. You will also receive a lot of information from the author's website.

    LanguageEnglish
    PublisherMuralidharan Jayaram
    Release dateOct 21, 2013
    ISBN9781301382187
    Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt
    Author

    Muralidharan Jayaram

    Muralidharan Jayaram has spent past 25 years in the field of Leadership development, Senior Management team building, Executive Coaching and Organizational Change Management consulting. He has consulted for Fortune 100 companies across the globe and United Nations agencies such as World Health Organization.He has a Post Graduate qualification in Human Resources Management and is a Master Practitioner Neuro Linguistic Programming. He is a Leadership Grid Organizational Development facilitator and global business head of Organizational Change Management consulting.

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      Book preview

      Credit Card Debt? How To Stop Drowning In A Sea Of Credit Card Debt - Muralidharan Jayaram

      Copyright

      Credit Card Debt: How to Stop Drowning in a Sea of Credit Card Debt

      Published by Muralidharan Jayaram at Smashwords

      Copyright 2013 Muralidharan Jayaram

      This E Book is licensed for your personal enjoyment only. This eBook may not be resold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you are reading this book and did not purchase it, or it was not purchased for your use only, then please return the book to Smaswords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      Welcome to Credit Card Debt: How to Stop Drowning in a Sea of Credit Card Debt

      Welcome to a treasure trove of insights and ideas of taking control of your credit cards and getting out of the credit card problem permanently.

      How do you define a credit card problem?

      You have a credit card problem if you have a debt on your card which you cannot pay in full on the due date. Hence you make a partial settlement, or repay only the minimum amount, or you completely miss the payment.

      There are millions of people across the globe that are in deep credit card debt. How do all these people get into trouble? It is because credit cards are very convenient to use, and misuse.

      Credit card loan is what is called an unsecured loan. The credit card loan given to you by a credit card company or a bank is a revolving one.

      The bank will roll over the balance you owe on the card every month, and they will charge only a portion to the amount you owe them. Every month, you will pay interest on the unpaid amount due on your card until you pay off the entire amount you owe them.

      It is very difficult to live without a credit card. Especially if you are living in countries like the US as many of the day to day transactions, such as buying a train ticket or an air ticket can be done only through a credit card. Moreover, it is very inconvenient and even unsafe to carry a lot of cash in your wallet. Hence everyone is more or less forced to use credit cards, one way or the other.

      If you have a credit card then you are at a risk. You may find yourself in any of these categories of people:

      You just got your credit card, and you are planning to use it.

      You are using a credit card for the past few months and fully paying off what you owe on it.

      You have a credit card, and you are paying a partial amount you owe on the card.

      You are paying only the minimum amount.

      You have two credit cards and one of them has maxed out. You are now using the other for your day-to-day expenses.

      You have multiple cards maxed out, and you are missing out the payments.

      You are paying huge interest, late fee, over the limit penalty, etc.

      Credit card companies have begun to harass you for payment.

      You are a part of a small minority, who pay the credit card fully every time you use it.

      No matter in which category you belong to, you will find a step by step approach to taming your credit card and enjoying the full benefits offered by them. You will be in control, lead a stress-free life, and save a lot of money without paying interest.

      If you are having a credit card problem, it is time to act now. The consequences of remaining in a credit card debt are:

      Huge accumulating financial burden

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