>Lowering Credit Card Debt ? Building A Better Credit History Posted by nick_niesen on October 29th Reilly Smith Golden Knights Jersey , 2010
Although it is possible to get approved for a mortgage loan with a high debt ratio, having a low credit card balance will present better financing options. Becoming debt free is a highly sought after goal. Fewer debt payments offer the opportunity to begin saving money. There are several effective strategies for eliminating credit card debt. However, before outlining a plan, consumers must be willing to alter their spending habits.
High Credit Card Balance Contributors
If used properly, credit cards serve a practical purpose. When an emergency arises Colin Miller Golden Knights Jersey , and you are short on cash, a credit card offers a quick solution. Sadly, many people use credit cards to finance frivolous purchases. This is common among young adults.
To avoid the credit card trap, consumers need to control their spending habits. Acquiring too much debt has several repercussions. Aside from high credit card payments, several lenders are hesitant to loan money to people with high credit card balances.
Ways Credit Card Debt Affects Credit History
If you plan on financing an automobile or home Deryk Engelland Golden Knights Jersey , maintaining a good credit history is important. Bad credit will not necessarily affect loan approvals. However, if you have good credit, you can expect better financing rates and options.
Some consumers think that good credit entails simply paying minimum payments on time. While a good payment history does contribute to good credit, the amount of debt you have acquired also plays a role.
Lenders are more confident when a loan applicant's credit card debt is about 25% of the limit. If your credit cards are at more than half the limit or nearly maxed out, this will result in a lower credit score.
Tips for Reducing Credit Card Debt
With self-control and effort Marc-Andre Fleury Golden Knights Jersey , it is possible to dramatically reduce your credit card debt within a year. However, before a credit card reduction can take place, you must stop using the card.
The only way to reduce the balance is to pay more than the minimum payments. On average, minimum payments equal the finance charges. Thus, attempt to pay triple the minimum payment.
The Hero's Journey is the most usable story structure consisting of at least 106 stages and the template for successful contemporary stories, from Star Wars to Al Pacino Scarface to The Incredibles to War of the Worlds to The Dirty Dozen to Midnight Cowboy. The Hero's Journey is a valuable template because:
a) It attempts to tap into unconscious expectations the audience has regarding what a story is and how it should be told.
b) It gives the writer more structural elements than simply three or four acts, plot points, mid point and so on.
c) Interpreted metaphorically and symbolically, it allows an infinite number of varied stories to be created.
One critical stage of the journey is the Final Conflict.
Whether fiction or non-fiction, subtle or direct, psychological of physical, the confrontation follows a familiar pattern that encompasses time pressure, impossible dilemma Authentic Alex Tuch Jersey , polarization, final antagonism, three catharses and possibly the Afterlife Act.
The Final Conflict contains 81 common steps that bring the story to a satisfactory close. This is very valuable, as the ending can be the hardest part of a story to write.
Often the hero is under time pressure to battle the antagonist. In classic good versus evil the antagonist will force the issue, by holding an ally hostage (Spiderman) Authentic Nate Schmidt Jersey , attack with superior forces or similar. But time pressure is nearly always an element of every story, no matter what. In Midnight Cowboy for example, it is created by Ratzo Rizzo's illness and the need to get to Florida.
The antagonist will often put the hero in an impossible dilemma. He will have to save himself, his love or the world ? he cannot do both. This seemingly impossible task is overcome and prompts the antagonist to take the threat more seriously.
There is also usually a polarization between the good and bad. The difference between them is highlighted visually, verbally and symbolically. This helps the ultimate catharses (there are three) have more impact.
The three catharses allow the audience to attain maximum emotional fulfilment. Catharsis 1 usually involves the antagonist realising he has lost and pleading for mercy on some level. Catharsis 2 usually involves the death of the antagonist Authentic Jonathan Marchessault Jersey , following a deception to regain control. Catharsis 3 involves the death of the lieutenant or some symbol representative of the evil. This process is very obvious and common in Bond films, for example.
The Afterlife Act is less common in modern stories but it still has a valuable place (Out of Africa, Conan the Barbarian). It is an ending that briefly informs us what happens to the hero after we leave him. This will be discussed in another article.
The 81 common steps of the Final Conflict and other story structure templates can be found at can also receive a regular, free newsletter by entering your email address at this site.
Kal Bishop, MBA
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