There is another level to what should be the purely financial problem of how to handle your credit card debt.  That side has to do with the human toll that carrying that debt from month to month and year to year can have on a person and on a family.  A family’s finances are at the core of what make the family work.  The old joke goes “Money can’t buy happiness but it can rent it.”  And while that’s cute, money and debt can make the difference between a family that is able to live peacefully within its means and one that is on the verge of disaster.

So when you sit down and decide that its time you took seriously the challenge of conquering your credit card debt, you have some battles to fight that are not just about interest rates and minimum payments.  The truth is that none of us can face down something as overwhelming as a massive credit card debt if we just don’t think we can do it.

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