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Have you got a debt problem? Is your level of debt starting to get you down? Are you constantly finding yourself stressing about money and about how much you owe? If you have answered yes to one or more of these questions then I can understand, to some extent, how you are feeling. I have finally managed to break free from my own debt issues which had been like a noose around my neck for far too long. In the following parapgraphs I will be describing about the ways in which I went about doing this.

Now before I continue I would like to make it clear that I do not work in the field of debt management; I am in fact a person who offers web promotion and a psychic readings service. As stated before in the opening paragraph of this article I am just relaying my own personal debt experiences.

So what went wrong? Well I went slightly crazy on the spending front about eleven years ago. I would like to make the excuse that it was some sort of mid-life crisis however I was only in my early twenties. I basically spent money like it was going out of fashion; I was the life and soul of the party and was seen as very generous – even a bit flash some would no doubt say.

By my mid twenties I was over twenty five grand in debt. I had now met the love of my life and before long she fell pregnant. The baby was born and the partying had to stop – I now had responsibilities. This debt was hanging over my head however like to ton weight.

In the end I wrote to each of the companies that I owed money to and I arranged an affordable repayment plan; I gave them a copy of my bank statements showing what money was coming in and out on a monthly basis. After some time the companies agreed to accept my offer as I suppose in their eyes it was better than nothing. The interest on the debts was frozen and I tore all of the credit cards up. It has been a long journey but I am pleased to report that I have now paid off all of these horrible debts.

Tags: debt problem, debt, credit card

Tags: credit card, debt, debt management, debt problem