Secured Credit Cards

I am hoping to start a debt-free life but it is still going to take so much work. Truth is, this has been my goal for the last several years but somehow it hasn’t been excuted right yet. I’ve been so used to swiping cards and not carrying cash (because I usually don’t have those) that I read and research Credit Card Ratings like some people read and research their favorite past time. It’s quite embarrassing, to tell you the truth. But using cards is actually not all that bad. In fact, there are a hundred advantages I can think of. I guess my point is being neck-deep in debt because of using credit cards isn’t the cards’ fault.  Just this morning, my sister was watching Confessions of a Shopaholic and I couldn’t help but giggle with the way the lead character was escaping her debt collector, even if the movie in itself was kind of lame. Keeping cards the right way is  all about managing and self-control really.  If you have Secured Credit Cards, well that’s better. The thing is, when I first decided to get a credit card, I never imagined that I’ll be able to have or be approved for more than one. Well, maybe because I am a good payer, or trying hard to be, I guess credit card companies find it easy to approve my applications. I even accumulated a number of preapproved cards I didn’t even apply for. The hard part is not using all of them and only using them and then paying everything in full at the end of every month. That has really become a challenge for me. It’s hard, but I’m now just trying to pay for them and possibly not spend extravagantly in the next few years to come. If only I only use a Secured Credit Card. Maybe that would make a few difference, for the better.