That's something has to happen one household at a time. We have never carried Credit Card debt -- we pay the balance in full each month. Even a hasty analysis of the math shows you why--it is a poisonous drain that enslaves you. If you can't afford something without using a credit card, you sure can't afford the credit card debt, either.

Obviously some emergenices have to be handled, but as a general rule best to pay 'em off and never use them for credit past the end of the month.


A