Planets in Retrograde -- The Basics
By
Rebecca Brents

The Circle of Life -- The Zodiac Signs and the New Moon's Journey
By
Rebecca Brents

Astrology and Karma?
Sure!

Your Horoscope holds important keys to why you are here, what you came to contribute, who you came here to be.

Get direction.
Get information.

Put your life on course as never before!! Real Astrology ...
for people who take
their lives seriously.

Order a
Karma and Destiny Reading
TODAY!!

Healthiest Meals on Earth: The Surprising, Unbiased Truth About What Meals to Eat and Why
By
Jonny Bowden

You arrived in
this life with

Karmic gifts and talents

Karmic responsibilities

Karmic challenges

Karmic work to do

Order a
Karma and Destiny
reading

Learn what life is
asking of you.

	Don't Let The Holidays Detour You From Your Financial Goals by James H. Dimmitt Your Free Credit Report Now
Astrology, Tarot, and Self Improvement for the New Age.

    Email This Page to a Friend    

Don't Let The Holidays Detour You From Your Financial Goals
by James H. Dimmitt

Do you dread going to your mailbox and finding yet another credit card bill? Do you find yourself worrying about how you'll pay your bills from one month to the next?

Guess what? You're not alone. Almost half the households in America report having difficulty paying their minimum monthly payments on credit card bills and other debts.

We have become a nation hooked on credit. Recent government statistics on American debt show that:

~ Over 40% of US families spend more than they earn.
~ The typical U.S. household has an average credit-card balance of $8,940.
~ Credit card debt is up 36% from just 5 years ago.
~ 92% of U.S. family disposable income is spent on paying debts, up from 65% in 1975.

How did we get ourselves in such a mess? According to Dayana Yochim, a journalist and teacher for The Motley Fool, "It's not just that we're borrowing more money and paying it back more slowly; it's that we're spending money we used to consider off-limits."

Yochim points to the popularity of home equity loans and lines of credit as just one example. "Home equity loans are more popular than ever as people borrow against their home to feed their spending binge."

According to a Business Week report, total household debt topped 100% of disposable annual income last year for the first time ever.

"The problem with credit for many people is that it's just too easy to get into a rut with bad spending habits," says Rich Vorland of Consumer Credit Counseling. "Credit gives everyone the instant gratification of getting something they want right now. We don't have to save up for it. We don't have think of how we'll pay for it until the bill arrives."

And therein lies the problem for many holiday shoppers. Too often we pull out the plastic without thinking of how we'll actually pay for the things we buy. How many of us are still paying off credit card debt from last year's holidays? Adding additional debt will only keep you buried in debt for many more years.

For example, let's say you have a credit card debt of $2500 with an APR of 18%. If you only pay the minimum amount due it will take you 20 YEARS to pay off your balance, assuming of course you don't make any other credit purchases. On top of that you will have paid your credit card company a whopping $3,365.51 in interest!

If you've been working to eliminate or pay down credit card debt, don't let the holidays detour you from that goal. Use only cash to pay for the presents you plan to buy.

If you must use a credit card, set a goal to pay off that debt within one to two months. Otherwise you'll be right back where you started from or even worse -- further and further in debt.

Note: This author's website is closed.

Copyright 2003, Your Free Credit Report
Author: James H. Dimmitt
James is editor of "To Your Credit" a FREE weekly newsletter for consumers. To Your Credit

Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?

Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.

Taurus Horoscope

Please click on the titles to visit these fine areas of Enchanted Spirit

---

	PO Box 1080 Sandia Park · NM · 87047

Enchanted Spirit is a non-denominational spiritual center of healing, support, self-improvement, personal guidance, education and writing. We publish multi-media works of New Age thought and information to encourage serenity and growth in individual life choices, advance the universal search for life's meaning, and promote tolerance for positive ideas from all philosophies and religious traditions, believing as we do that truth is where you find it.

---

This site is hosted and maintained for Enchanted Spirit by

Catweasel Ink

Copyright © 1999 - 2008 by Enchanted Spirit and Catweasel Ink.
Contributed works copyright by their respective authors. All rights reserved.
Unauthorized reproduction specifically prohibited.

Last updated February 24th, 2004

Rebecca is not available
right now.


Please check back
later
CLICK HERE FOR
MORE INFO

Interpreting Tarot -- Reading the Book of Life
By
Rebecca Brents

Astrology Coaching
Live Your Life by Divine Design

Astrology Coaching puts YOU in control of the life you were born to live!!

Take a journey through your birth chart as never before.

Real Astrology ...
for people who take
their lives seriously.

Enroll in
Astrology Coaching
TODAY!!

Recommended Book from Amazon

Tarot of Transformation: Chart Your Own Course to Healing and Spiritual Awakening
By
Willow Arlenea, Jasmin Lee Cori

Order Your Free Horoscope!

Learn Astrology
Learn Tarot

Astrology Readings
Tarot Readings

For the best in
Astrology and Tarot
Personal Development
Self-Improvement
New Age Living
visit
Enchanted Spirit
often!!