Pony Of Prey Blog

Credit card debt is a major cause of over one million bankruptcies each year. The reason is that many people get a credit card without researching and reading the fine print. By the time annual fees are added on, along with spending indiscriminately, payments are missed, which causes their balance to skyrocket.

Although we all like to place the blame on the credit cards and the credit card companies, you need to keep in mind that the real cause of your financial mess is you.

One shopping spree does not usually cause high debt. It is usually a pattern that consists of gradually increasing purchases that add up to a large debt. The great thing is that it can be very easy to get out of debt. The key is to start spending less than you make. This is a long-term solution that can help you to whittle your debt down.

Although it may sound simple, it can be very difficult if you have a problem with willpower. It is important to stick with spending less than you make or you will find yourself in exactly the same place as you were before. Overcoming your debt will take willpower and a great deal of time.

It may be difficult to stick with your debt repayment program, but keep yourself strong and you will find yourself out of debt before you know it.

It is important to learn how to get out of debt and then stay out of debt. If you can summon enough willpower and strength towards your finances and spending, then you will find yourself the winner in the game of debt. It may be easy to get into debt, but getting out of debt is much more difficult, but worth it.

One simple phrase can sum up the solution to your financial problems. If you don’t have the money to spend, then don’t spend it!

Copyright 2002 1DebtFreedom.com

Need to clean up your web site image fast but don’t have a budget for a designer? Following these 7 web site design tips should go a long way towards scraping off the cheese and increasing the credibility of your business web site.

1. Lose the clip art, no matter how cute or clever. Use a nice-looking photograph instead. Preferably a photo that shows your product in use or a satisfied client, but even a well-chosen stock photo would be better than clip art. And animated clip art? Unless you’re a real design whiz, just say “never”.

2. Reduce the size of large photos. If a any single photo is over 350 pixels wide or 300 pixels high it’s probably too big for your business web site. Hint: use your photo-editing software, not your HTML editor, to reduce the size.

3. Unless you really know what you’re doing, remove any patterned web page backgrounds. Choose a nice solid color instead.

4. Remove these special effects (unless they’re part of a Flash piece):

• text or graphics that slide into position
• blinking text or graphics
• spinning text or graphics
• page transition effects
• sound effects

5. Keep extra-large type to a minimum.

6. Remove underlining from any text that is not a link.

7. Use bold, italics, exclamation points, and ALL CAPS very sparingly.

This article may be re-published for free provided the entire author’s bio, along with all active hyperlinks, is published with it.

Keita Del Valle is the owner of Crafty Pixel, a Corona website design company which operates from Southern California’s Inland Empire. Her site is updated weekly with small business website news, tips, articles and opinions, including her Hollaback blog.