Is Our Credit Card Debt Down To Poor Organisation, And Is There Anything That We Might Do To Lessen The Problem?

Posted by Credit expert

June 25, 2010

As the nation’s debt continues to be a disaster, masses are turning to financial advisers on a frequent basis for Debt Consolidation Management assistance. It raises the question as to whether we really are doing all we can to relieve the strain not simply for ourselves but for the whole country.

We lead such eventful, hectic lives that every so often we become disorganised. It is very easy to let things slide when we don’t take the needed time to organise our funds so that they work for us instead of against us.

As the amount of people entering into a Scottish Trust Deed or IVA is on the increase, perhaps we’re enabling life to stop us from living.

I consider myself a fairly organised person but yet I have missed the occasional bill due date. Actually I had one the other day. We use a credit card for petrol and at the end of the month we pay it off in full. Currently, I have been working hard of late, and have been distracted. I have also been awfully run down and have been picking up virus after virus.

At such times planning goes out the window. Therefore as it happens I ended up paying the petrol bill a few days too late. Oh well I thought, I will just have to pay a little bit extra when I pay the next one, as little doubt there will be a late payment charge.

So, the new statement comes through the post and I was utterly taken aback to find I had been charged

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