• RSS Credit Dusters

    • CDTV Launch! March 30, 2011
        Credit Dusters has just launched our interactive television show. The network is called CDTV and it will start out with a daily show about all things credit. You can go there now…tv.creditdusters.com. Advertisements
    • New VW and Other Purchases I Didn’t Make June 4, 2008
      It seems strange considering my profession.  I recently pulled a copy of my credit report through the credit watch service  I am a member of.  I needed to purchase a car so I wanted to see where my scores stood and shop for the best interest rate.  To my surprise I had purchased a brand new […]
    • Loan Modification – The Best Chance for Success April 30, 2008
      This week we are discussing a painful, but important situation that a lot of American consumers are facing. It is so scary to think that you might lose your home, but we want you to know that there is hope. We want to be a resource to those folks because we have been there and […]
    • Beauty in Simplicity Chapter IV – The Final Verse April 25, 2008
      My family lives in a small, rural town in Southern Indiana. We are surrounded by a soy bean field with hundreds of sprawling acres across the street and a large lake that adjoins our property in the back. Sounds nice, right? Why am I so discontented?What is it that continues to drive me toward always […]
    • Beauty in Simplicity Chapter III – The Endless Road April 24, 2008
      I began writing about the subject as a result of my daughter and I going on a field trip to our county 4-H last week. All the modern day farmers talking about raising chickens, cows, rabbits, and living off the land made me yearn for a life like that. This is my journey…The truth is […]
    • Beauty in Simplicity Chapter II – What’s in the Box? April 23, 2008
      In his book, Halftime, author and successful businessman Bob Buford comments on the purpose of money in the following manner: Mike Kiami is a strategic planning consultant. He is brilliant. He is intuitive. He is demanding. He slices through all the pretense and posturing, and hones in on the core. He does not believe in […]
    • Beauty In Simplicity – Chapter 1 April 22, 2008
      “Stop this train, I want to get off!” – Vanilla Ice Yesterday I touched on the fact that I am soul searching for the simple life. My wife and I used to think the Amish had the answer. I now know, as I mentioned, that I do not have to buy a farm and work […]
    • A Rabbit Meat Shortage, The American Consumer, and Something About The Simple Life April 21, 2008
      I went on a field trip with my 3rd grade daughter this past week to our county 4-H. I learned a lot about farm animals. It was quite amazing because I saw the farmer of today and even with all the modern technology, (like a $280K combine that has a stereo, GPS system, and two seats) it […]
    • How To Not Blow Your Tax Refund April 2, 2008
      In my previous post I wrote about the importance of filing even when you owe. Today I am going to give some helpful tips on preparing for your refund. Whether you are getting $500.00 or $5000.00 it is human nature to spend your money two or three times before it even hits the bank. I would encourage […]
    • How To Proactively Protect Your Identity March 26, 2008
      Freecreditdusters.com has a great article on ID Theft – Check it out
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The Art Of Delaying Pleasure – Part I

Reality Sucks! – As crass as it sounds there is no other way to put it.

The problem with Reality is that it doesn’t just gently tap you on the shoulder and say, (in a kind, British accent.) “Pardon me, sir. You don’t have the proper funds to cover those last several purchases you made. You may want to stop and look at your bank account when you have a moment.” No way! Reality is a Louisville Slugger upside the cranium in the form of your check being shorted 50 bucks. You didn’t know it was 50 light because you have automatic deposit and your money is always there. Three days later you begin to receive several notices from your bank that your account is overdrawn and the $3.50 Diet Coke and Cinnamelt that you bought at McDonalds is now costing you $33.50 – mmmmm. I’m lovin’ it!!! 

Of course it doesn’t stop there – reality never stops there. It just keeps pounding. One of the bounced checks was your mortgage payment. You are on a work-out program to keep you from Foreclosure and a little voice plays back in your mind, “Mr. Sullivan, if you are late on your mortgage one more time we are going to require the full balance of the late payments.”  The problem is that each one of those “friendly” reminders from your bank cost you $30.00. You have 10 of them! You look ahead and hope fades quickly…there is no more money. You are already doing all you can. You look for the nearest corner to crawl into the fetal position and rock your troubles away. This, my friends, is painful, beautiful reality.

So how do you avoid this scenario? How do you get out of the constant robbing Peter to pay Paul? In our case there was no Peter. There was just Paul glaring at us! We looked at all the options and none of them were pleasant. Does this sound familiar?  Over the next few posts I will discuss how we got into trouble and ultimately how we and you can get out.


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