Day 15

Every now and again, I hear a story of someone who’s dealing with a massive amount of credit card debt.  It’s always amazed me how folks can get so in-over-their-heads, just making minimum payments and getting absolutely hammered with high interest rates.

Then the light bulb went off.

After I changed the light bulb, I considered the whole credit card issue once more, and came to the realization that my whole weight issue is very much like having $25,000 on a MasterCard bill. Consider the similarities:

• I didn’t get in such dire straits overnight.
• I certainly can’t make it all suddenly go away.
• It causes stress.
• It causes heartache.
• It affects so many other areas of my life.
• It jeopardizes my future.
• I want to make a change, but it’s just so hard to make any headway.

How do you get out of massive credit card debt? The first thing you do is shred those cards and start changing your behavior. Then you realize that there are mighty forces working against you (interest), and you need to make a plan to get rid of the debt as quickly and efficiently as possible. You hear radio commercials for get-out-of-debt-free companies, but you and I both know that things that sound too good to be true are often… well… too good to be true.

Anyway, we got ourselves into this mess, and we can darn sure get out of it on our own.

A little planning.

A little willpower.

A little determination.

A good bit of time.

Like that person with the big fat credit card bill, I can’t even remember all the small things, all the little charges that got me to where I am today, but I will tell you this: I can work off this debt, and I will clean up my balance sheet.

And I’ll be a richer man for doing it.