How to Have a Happy New Year With Credit Card Debt

Pretty soon year 2010 will be here after the holidays. For people who are still knee deep in credit card debt, how do you have a happy new year?

Be optimistic

You have a whole new year ahead of you. Start doing your financial planning from now onwards. Work out your budget by gathering all your financial statements and find out the exact figure of your outstanding balances. Make your debt repayment according to your budget so that your outstanding balances can be cleared soon. Beside, change your lifestyle and spending habits. Cut down the usage of credit cards. Make sure that you set your resolution and stick to it in order to have a happy new year.

Look forward to new beginnings

Do not expect a second stimulus package from the federal government. Be proactive to look for opportunities to gain extra income. You are suggested to get a new part time job and work harder. Be creative to save more money every month. Forget about whatever bad that has happened, a new year gives the opportunity for a fresh start.

Be thankful

Look at the good things in your life and be thankful for all you have. Do not be depressed and stressful when you have debt. Make your effort to negotiate with your creditors to reduce the interest rate, finance charges or late fee. The best way to have a happy new year is to keep a positive attitude. Try to look at the brighter side of things and avoid negative thoughts. Try to put things in perspective when you feel upset.

Having the goal of becoming debt free will keep you looking ahead all the time.



Source by Jeslyn Jessy

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