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AS A WAL-MART EMPLOYEE OF 7 YEARS, I HAVE BEEN CONSISTENTLY BEEN IN DEBT BY NOT MAKING ENOUGH MONEY TO PAY FOR GASOLINE AND FOOD. WITH MEDICAL AND CAR EXPENSES, LIVING IN CALIFORNIA, I FIND IT VERY DIFFICULT TO GET AHEAD AT THE AGE OF 63. SO I HAVE PUT ALL MY DEBT MAINLY ON 2 LOW INTEREST CREDIT CARDS AND HAVE USED A THIRD TO FALL BACK ON WHEN I DO NOT HAVE ENOUGH MONEY IN THE BANK TO COVER MY EXPENSES, BILLS, ETC.. DO YOU THINK I SHOULD GET RID OF ALL MY CREDIT CARDS? RAM

Hello. I understand what you are saying. It is becoming increasingly difficult for many people who work hard for their living but still do not have enough money left over at the end of the month to cover all their common living expenses.

The cost of living for all the basic items like food, housing, electricity, etc are all rising especially in expensive states like California. I think your problem is one shared by millions of people around the country and unfortunately, there does not seem to be an easy answer. Yes, you should be careful about using your credit cards to cover your expenses because one day you will wake up and find your credit card balances have gotten way out of control forcing you to seek bankruptcy or a bankruptcy alternative like debt settlement.

If you can take a hard look at your monthly expenses and try to stop spending money on non-essential items each month, that may free up some money and allow you to pay all your bills. Do the best you can to put yourself on a strict budget and stop using the credit cards. I know it’s easier said than done, but that’s often the only way to prevent serious financial problems and may allow you to get back on track. Thanks.