A Simple Way to Begin
Eliminating Your Credit
Card Debt Now!
Copyright 2006 Tony Mase

Recently, a friend of mine who,
like many, is easily confused
when it comes to financial matters,
asked me to take a look at her
monthly statement for a credit
card she's been trying hard to
pay off, but feels like she isn't
getting anywhere.

I gladly took a look at her
credit card statement and the
very first thing I noticed,
which almost floored me,
is the interest rate she's paying...

29.99%!

That's right...

29.99%...

Wow!

I don't know where I've been
(obviously not looking at

credit card statements :-)),
but I thought this was illegal.

Her credit card balance
is $5,141.06.

If she doesn't charge anything
else on this credit card, which
she hasn't been, and if she
continues to make the minimum
required monthly payment,
as she has been, based on
the way her bank calculates
her minimum required monthly payment...

It'll take her 339 months to
pay off her current credit
card balance of $5,141.06

and she'll pay a total of
$12,345.65 in interest.

In other words...

If she continues doing
what she's been doing...

It'll take her 28.25 years
and cost her $17,486.71
to pay off her $5,141.06
credit card balance.

No wonder she feels like
she isn't getting anywhere...

She really isn't!

So...

What should she do?

Well...

There are a number of
things she could do.

However...

One of the simplest things
she could do would be to
continue making the same
minimum required monthly
payment she'll be making
this month, every month
from now on.

Why?

Simple...

Because she's already in
the habit of making a monthly
payment of at least this much
on her credit card.

You see...

Most banks and credit card
companies figure the minimum
required monthly payment based
on a percentage of the credit
card balance due or a specific
fixed dollar amount, whichever
amount is higher.

Therefore...

Generally, the minimum
required monthly payment
goes down as the credit card
balance owed goes down
until the minimum required
monthly payment gets down

to the minimum required
dollar amount.

In her case...

Her bank's minimum required
monthly payment is 3.5% of
her credit card balance or
$10.00, whichever amount
is higher.

This month her minimum
required monthly payment
is $184.93 of which $134.87
is interest, with only $50.06
applied to the balance.

If she were to do absolutely
nothing else but make this
$184.93 payment *every*
month from now on...

She'd pay off this credit card
in 49 months instead of 339
months and she'd pay
$3,749.46 in interest instead of $12,345.65 in interest,
saving $8,596.19 in
interest charges!

Big difference, isn't it?

Now...

If she really wants to go for it...

She could increase the amount
of her "new" self-imposed
minimum required monthly
payment.

For example...

If she were to start paying
an additional $15.07 a month
for a total of $200.00 a month...

She'd pay off this credit card
in 42 months instead of 339
months and she'd pay
$3,191.78 in interest instead of $12,345.65 in interest, saving
$9,153.87 in interest charges.

If she were to start paying
an additional $40.07 a month
for a total of $225.00 a month...

She'd pay off this credit card in
35 months instead of 339
months and she'd pay
$2,574.37 in interest instead of $12,345.65 in interest,
saving $9,771.28 in interest
charges.

If she were to start paying
an additional $65.07 a month
for a total of $250.00 a month...

She'd pay off this credit card
in 30 months instead of 339
months and she'd pay
$2,165.81 in interest instead of $12,345.65 in interest,
saving $10,179.84 in
interest charges.

If she were to start paying
an additional $90.07 a month
for a total of $275.00 a month...

She'd pay off this credit card
in 26 months instead of 339
months and she'd pay
$1,874.29 in interest instead of $12,345.65 in interest,
saving $10,471.36 in
interest charges.

If she were to start paying
an additional $115.07 a

month for a total of
$300.00 a month...

She'd pay off this credit card
in 23 months instead of 339
months and she'd pay
$1,654.79 in interest instead of $12,345.65 in interest,
saving $10,690.86 in
interest charges.

And so on.

Now...

If she really, *really*
wants to go for it...

She could double the
amount of her "new"
self-imposed minimum
required monthly payment.

If she were to start paying
$369.86 a month instead
of $184.93 a month...

She'd pay off this credit
card in 18 months instead
of 339 months and she'd
pay $1,254.35 in interest
instead of $12,345.65 in
interest, saving $11,091.30
in interest charges.

Huge difference, isn't it?

As I said above, there are
a number of things she could
do, but this is one of the
simplest and it's something
she can start doing right
*now* to begin eliminating
her credit card debt...

And...

So can you! :-)

If all you do is stop charging
on your credit card and
continue making the same
minimum required monthly
payment you'll be making
on your credit card this
month, every month from
now on, you'll make
significant progress towards
totally eliminating your
credit card debt once and for all.

About the Author
Tony Mase is a serious student of the
works of Wallace D. Wattles and the
publisher of "The Science of Abundant Life"
ebook by Wallace D. Wattles... http://www.thescienceofabundantlife.com

Even the most powerful
advertising copy on the planet
is useless without an effective
headline.

An effective headline determines
whether or not your prospective
customer will read the next
sentence of your sales message.

You must grab your reader's
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Whether you have a successful
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letter, here are 10 Headline
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1. Put your prospects name in
your headline. Everyone wants
to see their name in
" The Headlines". This will
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ad or sales letter.

2. "Use Quotations" around
your headline. Quotation
marks create the perception
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and has credibility. And
credibility, in turn creates more believability, and this can
significantly increase response
to your ad.

3. Don't make your headline
to "BIG". Many advertisers
believe that bigger headlines
get a better response. Bigger
is not always better. You want
your headline to be in a
readable and believable size
compared to the rest of your
ad. A big headline can reduce

your credibility because it

looks to "hyped up."

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pause in your readers mind
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on to something else. People
have been trained to pause
at a period. But if you end
your headline with an "!"

exclamation point you will
ad excitement to it and your
reader will want to move
forward with your ad (this is
a good rule of thumb, but it's
not a law. I've seen and written
ads with a period in the
headline and it's worked.)
Another technique is to leave
your headline open ended
or use "..." to get them to
move into your body copy.

5. Use one, two, even three
subheadlines. Subheadlines
below your main headline
can be very effective in
building intrigue and
excitement in your reader.
Each subheadline should be
smaller compared to the main
headline and the subheadline
before it; ultimately your reader
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of your ad or sales letter before
they know it.

6. There are many advanced
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then ad "How To..." to it.
For example, if your best feature
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in your advertising use this tip:
If you help people save or
make an extra $2,500 with
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attach a decimal point to it:
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if you are stating a price
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few "0's" in the price as

possible. For example,
if your product costs
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less threatening.

8. Combine a grabber
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you might get amazing
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gadgets and trinkets that
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your prospects attention
like: million dollar bills,
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if you combine a headline
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9. Make your headline
newsworthy. "How To Get
Your Tax Refund In 10 Days!"
is a pretty good benefit
oriented headline, but you
could test a newsworthy
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10. Use a testimonial
as your headline...Get
the most detailed and
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you have and use it
as your headline.
For example, "I made
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another $10,000.00
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example of a specific
testimonial. This makes
it very appealing because
it's real, it's newsworthy,
and I can attach a real
name to it.
About the Author
Brian Maroevich has developed a unique prospecting and lead generation marketing system which is available at ==> http://www.amazingprospectingletters.com You'll getmarketingtips,secrets, and letter templates guaranteed to increase sales!