Debt reduction is not only easier now than ever before it has become the most important aspect of our lives. Americans on average have particularly bad debt management skills, which you can see by how many collection agencies there are operating today. By educating ourselves on financial matters, eliminating unnecessary spending, and repairing our credit ratings, we can achieve debt reduction without the stress, pain, and humiliation of having to declare bankruptcy.

We spend a great deal of time thinking about our health, but we don’t seem to spend nearly enough time in thinking about our financial health as well. Americans live and die by the credit card, and the long-term effects are only now being realized. Think about it, life insurance companies are raking in the dough because we need bigger policies just to cover our dying debts. Individuals find out, often too late, that they are entering a gigantic vortex of finance charges, late fees, and ever mounting interest rates.

Just like trimming the fat from your diet, you can start your debt reduction plan by reducing empty purchases. Then you are on your way toward better financial health. But that's just one method that you can use for debt reduction: there are many practical steps you can take, as well as commercial and non-profit services that can help you repay your debts with as little pain as possible. The first step, though, is to cut back on wasteful spending that adds to your debt while you are planning to reduce it.

You can make many of your creditors happy by consolidating all of your monthly payments through a third-party credit service who can reduce your interest rates and get the creditors to ease up on the hounding phone calls, too. While there may be a charge for these services, it's usually worth the inconvenience in the long run. Not to mention that they may be able to negotiate other discounts and refunds for you as well.

Where to start? You need only to contact one of our Christian counselors using the form on the right for some free debt reduction help and advice. They will help you to lower your debt payments today.