Why do most methods of paying off credit card debt not work?

You know you need to be reducing your credit card debt, but every time you think about it all you want to do is go on a shopping spree!

This is exactly why most methods of debt reduction do not work. You know what you need to do, but unless you are absolutely forced into it, you would just rather not face it.

Most of the advice out there is around one or more of the following:

• add up all your debts so you have to face them – urgh, how many of us feel like doing this when we are deep in debt?
• budget, stop buying those frivolous “feel good” items – urgh, we’re so deep in debt it’s only the purchase of those “feel good” items that can make us feel better!
• get a part time job to earn more and pay off your debt – what! Are we not all working hard enough!
• sell your unwanted belongings (go eBaying) – sorry, but that is quite a lot of time and effort for something which is only going to fetch 99 cents anyway!
• cut up your credit cards – panic! What happens when things get so tight at the end of the month and we no longer have that card to help us out?

All of these methods are telling you to face the monster you have been hiding from, possibly for years!

The reason these methods often do not work is because we DO NOT want to face the debt monster. Provided there is a little spare space left on those credit cards to buy us something that will help us forget about the debt monster, then we’d rather make the purchase and leave the monster alone.

The key to successfully paying off your credit card debt is to work on your mindset first. This is where “How to Pay Off Credit Card Debt” differs from most debt reduction methods. It is a system whereby you do not have to face the debt monster at all. No counting up how much you owe, no budgets, no getting another job or selling your body parts to medical science (or eBay!) The simple system works to tackle your debt in such a way that you don’t even have to really think about it.  It focusses on one positive action that you just do, don’t think about it, just do it. The one action should cause no lifestyle change – you can still go on that shopping spree – but if you keep the system up, one day you will find you are no longer looking at your debts as a debt monster, but as something you now feel positive about. This is the mindset change, and once you have this amazing things start to happen.

So why do most methods of paying off credit cards not work? Because they do not tackle your mindset first – the biggest barrier to your behaviour is your own mind. If we tackle this, and get your mind thinking positively towards your debts, then it is your own mind that will take over and make you achieve your goals of a debt free life.

So get your copy of “How to Pay Off Credit Card Debt” now, and start changing that mindset.

“How to Pay Off Credit Card Debt” is available from Amazon.