Do Nothing!

If you are in debt trouble, how can you possibly improve your situation by doing nothing? If your troubles are real, you can’t. But it is possible that your debt problems are more imagined than real. Remember first that all things are relative. For some people, having $20,000 in credit card debt would be deadly. For other people, with hundreds of thousands in income, a $20,000 credit card debt is just another bill to pay.

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Remember too that debt—spending and owing money you don’t have is a highly emotional issue. In our culture, many people feel “guilty” when they go into debt and when that debt escalates, they feel like they have a real problem.

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In evaluating your debt situation it is important to be honest. Everyone who uses credit cards tends to overextend at some point. It isn’t good, but if your income is stable and you realize that you are getting uncomfortable, you can likely solve your problem by simply slightly increasing your monthly payments until your balance is paid down. If this describes your situation, it is likely that you can get back on track quickly by understanding your situation and taking steps to correct it. Technically, this is not really “doing nothing.” You are doing something – becoming more aware and working down your debt – but you are doing it yourself, without enlisting the help of outside professionals or debt specialists. If you would like to get a rule of thumb about the amount of credit that you can tolerate without outside help, use this rule of thumb. "If your monthly credit card and unsecure debt payment are more than 25% of your monthly income you may have reached the point of intolerance."

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