"Debt Weight" is the same as "Dead Weight" it weighs you down dragging with it your self esteem, your financial security and your very freedom to enjoy the pursuit of happiness. In America we have many freedoms not the least of which is to enjoy the fruits of our labor in the way of buying what we want to live the lifestyle we choose.



I am not talking about the necessities of life; food, clothing, shelter and so on, but I am talking about the joys of our eclectic toys. It is these toys that we indulge in, however, that often come at the expense of fully loaded credit card limits. The irony is that the very joy we get from buying these toys can become the noose around our necks that not only diminishes the short lived enjoyment we get anyway from the "next new thing," but these collections of fixes for our sensory appetites can quickly become our object of resentment as we are often left, years later, still paying for items that long ago lost their luster.

Debt, whether personal or on a National and World level is the media spotlight at the moment. While it may or may not ALL be real, the perception is that it is, so perception becomes the reality in many cases. What many fail to see is it is all related to a long overdue correction in our financial system to cleanse the gluttony of our collective desires as individuals, corporations and a nation and make us aware of what goes on in the backrooms of this country so it hopefully will not happen again.

The true reality is that many have become caught up in this toilet flush and are suffering the consequences of their actions to buy, buy, buy. In these cases help is needed to get them out of debt and on the right path to stay out of debt. I speak from experience.

As a great number of us have done I got sucked into the vacuum of credit use early on, probably around 19 or 20 when I was blessed with my first credit card approval. If you will recall it was a magical moment filled with visions of being able to buy that elusive item we had been lusting for, in my case it was an 8 track player for my 1968 Pontiac Firebird (boy am I aging myself,) but could not possibly pay cash for because we simply did not have that much money on hand. Now in our hand was this tiny 3-3/8 x 2-1/8 piece of mystical plastic that opened new doors to acquire the objects of our desire previously thought to be out of reach! Little did we know we held in our hand a tiny, potential Pandora's box.

To make a long story short, over the years I experienced everything from the "joys" of being able to buy what I wanted, when I wanted, to the ultimate rock bottom of credit; bankruptcy. America, being the land of opportunity it is, I was able to crawl my way back over a ten plus year period of time back to perfect credit status but it was a long and painful journey I would not wish on anyone.

The unfortunate truth in our society is that credit is necessary, if for nothing else as an additional buffer to what savings we may have in the event of an emergency that requires fast reserves. It is how we manage this credit that makes the difference between being a responsible credit user or an addictive credit abuser.

Since I have been both, I have the fortunate dual vision of being able to see and learn from the past and plan for the future. As a result I have created a concise web site dedicated to helping people get out of debt, stay out of debt and manage their credit resources, for credit is a "resource" that needs to be intelligently managed.

For more information see the resource box.