| According to a commercial that I have seen, at least | | | | Well, this is reality. This is the way it really is for a large |
| once every time I turn the TV on, it looks like a good, | | | | statistic of young American families. It's easier for |
| normal life to use credit lines. In just sixty seconds, this | | | | people to read something like this and think, "Oh, it's not |
| commercial portrays the life of a couple. They meet, | | | | that bad for us... we only carry a little debt." What is a |
| they get married, they have babies, they are middle | | | | little debt? The national average of credit card debt is |
| aged, and finally they are senior citizens and | | | | around $9,000.00. If this is the average, that just means |
| grandparents. All along, it shows flashes of the | | | | that many people whom are the ones who say... "It's |
| different credit cards, that go along with the themes of | | | | not that bad for me" are somewhere near or above |
| the various stages of this couple's life. They have a | | | | this average for credit card debt. |
| great, healthy life, using credit cards ... in sixty seconds. | | | | I was almost $14,000.00 in credit card debt alone, when |
| At the end of the commercial, the voice over says... | | | | I finally opened my eyes. I had many other needed |
| "We offer over NINE HUNDRED credit lines for your | | | | expenses of life also. I could not make ends meet. I |
| needs" or something like that. | | | | had lots of great clothes and some great toys. Mainly I |
| Nine hundred credit lines available from one bank. | | | | had a crutch, that whenever an emergency happened, |
| WOW! What does this commercial paint? What does | | | | I pulled out one of eight credit cards. Or if there was a |
| it do to our acceptance as a whole society for using | | | | special event, I pulled out a credit card. Any excuse |
| credit lines to pay for our lives? It makes it look normal | | | | was reasonable. Paying my bills was like a juggling act. |
| and healthy. These people are successful, relying on | | | | There are millions of Americans living this way. They |
| credit through the various stages of their life. | | | | have been misguided by commercials like I've |
| There should be a commercial that shows them | | | | mentioned for many decades now. It can change for |
| opening the bills. It would show their stress with more | | | | you, starting with taking "charge" of your personal |
| bills on items, they charged, after one of them loses | | | | financial life. The key is in your hand! The plain, easy |
| their job. The added medical bills when the children are | | | | and right in front of your face truth, is nobody or |
| sick and need countless doctor's office visits. Health | | | | nothing will make it easier to pay off those debts. |
| care insurance just doesn't cover it all, anymore. The | | | | There is no magic cure. |
| two SUVS in the driveway, the fuel and maintenance... | | | | Now for the good news, with acceptance of the |
| the payments. They live in a house, in Suburbia, USA | | | | problem, you will be able to find a way to be happy, |
| that has a hefty mortgage and upkeep. They pay out | | | | free and wiser way before the debt is completely |
| the wazoo for daily childcare, so they can earn two | | | | gone. You can live life without using credit lines at all |
| incomes, to pay for all this stuff. They fight a lot, mainly | | | | and stop adding to the debt. It can be done! |
| about bills, things they think they "need" and how they | | | | With so much hope to help millions of people, I wrote |
| never get ahead. Other family members are | | | | Use Cash To Buy It, to share my own experiences |
| constantly trying to give them financial advice. On | | | | with paying off a large credit card debt. I survived and |
| Sundays, they show up at church, looking as if | | | | got more gifts from life then I ever imagined I would. I |
| everything is fine and dandy. It's normal, because | | | | have freedom, happiness, and wisdom. I have grown |
| they've been in debt, ever since they got out of | | | | as a person. I don't use credit lines anymore at all, |
| college, started their careers and got married. They | | | | buying only what I know I can afford with cash up |
| are one or two paychecks away from financial | | | | front. It's definitely a better way to live. |
| destruction. | | | | |