So you have not heeded the good advice of living within your means. You may have splurged a bit upon celebration of your first true credit card. Using plastic when purchasing that new mp3 player was so easy and painless as was that five course meal for four. The pain finally did come the day the bill arrived in the mail though, didn't it? Then the discovery of minimum payments lit up like a light bulb above your head!
Only months later after seeing the rapid increase on the balance owed did you finally begin to understand how credit really works and now you are paying the price. Your new found credit card friend quickly became something you avoided, but you do not have to. Credit cards can indeed be your friend if you treat them right.
Paying lots of interest on debt is not the key to life on easy street, but there are some simple things that can be done to help you down that road. Your first aim is to stop paying all that interest. Many credit card companies offer cards to new customers with a 0% interest on balance transfers. This means that if you have a balance of ?3,000 on a card, which you could be paying over 20% interest on, you can transfer this balance to a new card and pay no interest! There are some restrictions so the key is to find the card that is right for you.
Doing just a little bit of paperwork can save a bundle, so do your homework and trade your card in for a new one.
The next step is making sure you pay off the balance. All transactions made on credit cards contribute to your credit history which can have a huge impact on any future financial decisions such as applying for personal loans and mortgages. Bad scores resulting from poorly managed credit cards can be saved by good future practices in card use. Increase your credit score by paying all statements on time, including mobile phone contracts and other monthly bills. Another thing to do is pay as much as you can afford to on your credit card balance to rid yourself of debt.
Facing your financial situation may seem daunting, but taking these measures step by step will help you out of the red and into the black.
Make A New Friend
Emotional Freedom Techniques (or EFT as it is known) is a stress and emotional healing technique, which is based on a revolutionary discovery that violates most of the beliefs of conventional psychology. It contends that the cause of all negative emotions is a disruption in the body's energy system.
Essentially, EFT is a form of "psychological acupressure" - except that we don't use needles. The approach relieves symptoms by tapping on various body locations. This tapping balances energy meridians that become disrupted when we think about or experience an emotionally disturbing circumstance. Once balanced, the upset is usually resolved - the memory stays but the emotional charge is gone. Typically the result is lasting and is also accompanied by positive changes in thinking. The technique is easy to learn and ideal for self-help
Emotional Freedom Techniques evolved from Thought Field Therapy, which was created by US clinical psychologist Roger Callahan. Callahan discovered that stimulating acupressure / energy points lead to psychological relief for an anxious client, and through experimentation was able to discover a series of useful points.
Gary Craig, who studied with Callahan, identified a comprehensive set of "all purpose" energy points that could be applied to treat any emotional problem. He called this Emotional Freedom Techniques (EFT), and achieved excellent results with this approach on a wide range of emotional as well as physical problems.
EFT has been successfully applied to treat a wide range of emotional problems and issues, including anxiety, fears, phobias, trauma, Post Traumatic Stress Disorder, grief, anger, guilt, etc. It has also been applied to enhance performance and improve relationships. In relationships, EFT can help us by reducing the emotional upsets towards our partner, many of which have their origins in our past. Using EFT, couples can overcome many of the barriers to friendship and closeness.
Perhaps the most exciting thing about EFT is that anyone can learn this approach and use it to help themselves. While some problems require persistence with the technique over a period of time, and some will require the intervention of a skilled therapist, many ordinary people can learn EFT and apply it successfully to the general problems and stresses of living
The reason I am writing about it is because I used it personally to get rid of my public speaking fears a few years ago and they have never come back. I had to do about three rounds of tapping altogether on different levels of the issue but then it was fine. I went on to speak successfully and still do on a regular basis. As a tool for stress management it is unsurpassed in my view and I continue to use it with my clients everyday in my therapy practice for many issues where other methods just havent worked.
Both Adam & Silverfox63 are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Adam has sinced written about articles on various topics from Computers and The Internet, Sony Ericsson Mobile Phones and Computers and The Internet. Adam Singleton writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.. Adam's top article generates over 135000 views. Bookmark Adam to your Favourites.
Silverfox63 has sinced written about articles on various topics from Cure Anxiety, Stress Management and Credit Cards. Lee James Heather is a therapist specializing in anxiety and stress management. His main approach is to show clients how to 'switch off' the brain stress centers for the most profound sense of deep relaxation they've ever experienced.http://www.anxietycoa. Silverfox63's top article generates over 6600 views. Bookmark Silverfox63 to your Favourites.
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