Are you reading this article because you are like most Americans and you have huge credit card debts? Do you want these bills to disappear? Are you looking for a Santa Clause from the heavens? Maybe you can pray to God for money from the sky? Or better yet perhaps you can win the lottery. Did you know that 70% of all Americans have 1.5 times their annual income in short term debt; that is to say credit card loans, car loans and time payments for products like furniture, BBQ, swimming pools, etc?

Are you one to take responsibility for your own actions, yet are looking for some way to get out of debt? How about this last Christmas Season? How careful were you in your expenditures? While shopping did you end up buying twice as many things for yourself? How did that make you feel? Good one would presume? Are you addicted to spending? Do you really want your credit card bills to disappear; because if you do, you are going to have to rethink your budgetary strategy.

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