Chapter Seven Step Four:
Make a Comprehensive List of Monthly Liabilities and a Budget.
What is in your wallet? These are good commercials. Somehow, barbarians and credit card companies seem to go together. The images evoke a theme which we can all understand. Maybe somewhere in everyone's family history, Visigoths or Mongols or Tartars or Saxons were at the gates, and the fear of them was passed down from mothers to children for a thousand years. The best advertising is entertaining, and the barbarians do catch the eye. They will either cut off your head or drink a gallon of ale with you. It’s all the same to them. Think about it though. What is really in your wallet? In mine, I have the usual stuff, a driver's license and my license to practice law, some old pictures of my wife and my sons (from when they were little and cute and I still liked them). I have a ticket stub from a Grateful Dead show on June 23, 1984 (rain or shine) in Harrisburg. I also kept a pay stub, from around the same time, which I kept because it showed a 63 hour week, with a bunch of the hours at triple time for working over a holiday ($39.50 per hour). I kept it because it seemed like all the money in the world to me at the time. I was about nineteen and stupid. I also have credit cards. I am not a big fan of them, and I try not to use them much, but I do. I need one for work, to pay things that arise every day in business. I never carry cash. My family relieves me immediately and without any mercy of any cash I ever happen to have....."
Excerpted from Credit Card Debt's Junky Road (Kindle Locations 755-770). Eugene C. Kelley.
About The Author
Eugene C. Kelley, Esquire is a partner in the Pennsylvania law firm of Kelley & Polishan, LLC with over 20 years experience in debtor/creditor law. He has substantial experience in FDCPA and consumer rights litigation, bankruptcy, commercial and collection law, with an emphasis on representing insolvent businesses and consumers. He has represented both creditors and debtors.
He is a member of the Board of Directors of North Penn Legal Services, an entity dedicated to providing legal services to the poor and indigent. He received a Bachelor of Arts magna cum laude from the University of Scranton and his Juris Doctorate is from the Dickinson School of Law.
He has lived in Northeast Pennsylvania for his entire life, and with his wife Janet is raising a family of four sons. His early employment history includes picking beans for piecework for Pizano's Truck Farm in Exeter, Pennsylvania and working construction while in college and law school. In his spare time, he enjoys building fieldstone walls and art. He is one of thirteen children.
For a list of Attorney Kelley's helpful articles on line, which concern a variety of topics regarding credit card debt, personal finance, and consumer law, please see Ezines.com
Make a Comprehensive List of Monthly Liabilities and a Budget.
What is in your wallet? These are good commercials. Somehow, barbarians and credit card companies seem to go together. The images evoke a theme which we can all understand. Maybe somewhere in everyone's family history, Visigoths or Mongols or Tartars or Saxons were at the gates, and the fear of them was passed down from mothers to children for a thousand years. The best advertising is entertaining, and the barbarians do catch the eye. They will either cut off your head or drink a gallon of ale with you. It’s all the same to them. Think about it though. What is really in your wallet? In mine, I have the usual stuff, a driver's license and my license to practice law, some old pictures of my wife and my sons (from when they were little and cute and I still liked them). I have a ticket stub from a Grateful Dead show on June 23, 1984 (rain or shine) in Harrisburg. I also kept a pay stub, from around the same time, which I kept because it showed a 63 hour week, with a bunch of the hours at triple time for working over a holiday ($39.50 per hour). I kept it because it seemed like all the money in the world to me at the time. I was about nineteen and stupid. I also have credit cards. I am not a big fan of them, and I try not to use them much, but I do. I need one for work, to pay things that arise every day in business. I never carry cash. My family relieves me immediately and without any mercy of any cash I ever happen to have....."
Excerpted from Credit Card Debt's Junky Road (Kindle Locations 755-770). Eugene C. Kelley.
About The Author
Eugene C. Kelley, Esquire is a partner in the Pennsylvania law firm of Kelley & Polishan, LLC with over 20 years experience in debtor/creditor law. He has substantial experience in FDCPA and consumer rights litigation, bankruptcy, commercial and collection law, with an emphasis on representing insolvent businesses and consumers. He has represented both creditors and debtors.
He is a member of the Board of Directors of North Penn Legal Services, an entity dedicated to providing legal services to the poor and indigent. He received a Bachelor of Arts magna cum laude from the University of Scranton and his Juris Doctorate is from the Dickinson School of Law.
He has lived in Northeast Pennsylvania for his entire life, and with his wife Janet is raising a family of four sons. His early employment history includes picking beans for piecework for Pizano's Truck Farm in Exeter, Pennsylvania and working construction while in college and law school. In his spare time, he enjoys building fieldstone walls and art. He is one of thirteen children.
For a list of Attorney Kelley's helpful articles on line, which concern a variety of topics regarding credit card debt, personal finance, and consumer law, please see Ezines.com