With the use of credit cards comes credit card debt. How do people get into debt? The old saying that it is easier to get into debt than it is to get out of debt is one hundred percent true. There are two main reasons people get into credit card debt: some debt is unavoidable while other is avoidable.

People that get into unavoidable debt is people that have lost their jobs and they no longer have the cash to pay their bills so they use their credit cards then they are unable to pay the bills when they start coming in. Another reason for unavoidable debt is when someone gets ill and they are not able to pay bills like they use to be and fall back on credit cards.

There are some kinds of people who buy whatever they want; weather or not they have the money. As long as you have available credit you can get it giving no thought whatsoever to how long it will take you to pay it off. Chances are you are in avoidable debt. Sadly this is the category where most people in credit card debt are right now and this is what gives credit cards a bad name. For these people cash is the best policy. If you do not have the cash to get what you want you do not need it.

Some keys for keeping yourself out of debt is to keep track of your expenses. This means if you use your credit card only use what you know you can pay back in a months time otherwise you will be paying extra for your purchases. When applying for a credit card, dont fall for introductory offers. You want a low fixed rate from the start.

No matter how you got there the fact is that you are in debt and you will most likely spend the better part of your life trying to get out. There are people that can help you get out of debt but they also cost so in the end you will pay for it one way or the other.

So if your credit card debt is the result of a loss of your job or an illness or your debt is a result of a life of having what you want when you want it. The fact is that credit cards are a great thing to have if you use them the right way. Just going out and buying what you want when you want it because you have available credit is not using them the right way. However credit card debt that is the result of a loss job or medical issue is not debt that you could have prevented but a good idea is to when you can put extra money away just in case you have to deal with a situation like that again. As with any tool you have to use it the right way for it to work.

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