The Little Pain Right Now
The problem with treating the symptoms of credit card debt rather than the root cause (spending too much), is that the symptoms will return. If you want to kill the debt, you have to hack it off at the roots. One of the best ways that I know to kill a spending problem is through a personal budget. You’ll gain great insight into what you’re spending your money on, and what you need to do to correct it, but only if you’re willing to use a budget. It’s the “little pain” right now that prevents the “big pain” later on.
— Sean, financial blogger, “Debt Consolidation: The Dirty Truth”
