Credit is seductive. Credit card companies spend millions of dollars to convince you to borrow their money. They have catchy slogans like:

• It’s everywhere you want to be. (Visa)
• There are some things money can’t buy. For everything else there’s Mastercard.
• What’s in your wallet? (Capital One)
• Don’t leave home without it. (American Express)

It’s no wonder that credit monitoring agency TransUnion is predicting the average consumer’s debt will reach an all time high by the end of 2014. It’s also no wonder that if you google debt stress you’ll get over 69 MILLION results

But there are things you can do right now to lower debt and debt stress. Continue reading →