Discount, Bargain, Cheap are Magic Words Sale lasts until Wednesday. Payments last years and the savings are long gone. Sound familiar. Find out why. Get out your credit cards because now is the time to buy. Why? Because there is a gigantic sale...and it ends in only two days. Yes, it's the ... Before Christmas sale. After Christmas sale. New Years sale. President's Day sale. Washington's Birthday sale. Pre-Easter Sale. After Easter Sale. Groundhog Day sale. St. Patrick's Day sale. April Fool's Day sale. Earth Day sale. Memorial Day sale. Flag Day sale. Father's Day sale. Labor Day sale. Columbus Day sale. Thanksgiving sale. Sweetest Day sale. Halloween sale. Veterans Day sale. And don't forget Valentine's Day, birthdays, election day, and a host of other reasons for a sale. Any excuse for a "once in a lifetime" sale. And why? Stores know you will probably buy their discounted goods using credit cards. Often using the store's own credit cards. And they know that you will not pay off your credit card balance for months, if not years. 20% Off Sale When you charge sale items to your credit card, you lose the benefit of the sale if you do not quickly pay off your credit card balance. Charge cards often carry interest rates of 20% or more. If you "save" 20% when you buy, but pay 20% in interest, you haven't saved a dime. And, often, you'll take several years to actually pay off your credit card balances. You need to include the cost of interest in the price of the items you buy. If you don't pay cash, you'll probably pay interest. You should understand the tactics used by the stores to get you to buy. Especially, using a credit card. Learn why you spend so much. Read about Credit Card Tactics.     One of the best things to do to help reduce credit card debt is to reduce overall expenses. One expense most people can easily reduce is their long distance bills. The big telephone companies charge high rates. Now you can take advantage of lower rates. Click here.   Back to the main page of Credit Card Debt Reduction Help Copyright © 2001-2003 by Robert Sherman All rights reserved.