"Creditors have better memories than debtors." - Benjamin Franklin

4. Myvesta may not suit all your needs, therefore add the Alexa.com toolbar to research other similar sites.

5. If married, discuss credit card management with your spouse. Two issues undermine romance: money and...well, you know the other one.

6. Don't take a consolidation loan whether personal or home equity unless you find this the very last alternative. If you accept a loan, "shop...shop...shop 'till you drop" the interest rate.

7. If behind on payments, call credit card companies NOW...today...this minute. Find the right person for you to discuss your circumstance. If greeted with putdowns and parental tones, end the conversation, wait awhile and try another person. When you must, request a supervisor. Be gracious, professional and persistent with a plan of action.

Most Americans carry 5 or more credit cards around. Take four of them and bury them in the backyard. Keep one for emergencies. Diligent efforts now will guide you toward financial freedoms in the future. Best wishes; if you act on this or similar recommendations, you will stand in a small crowd. Best wishes; if you act on this or similar recommendations, you will stand tall in a small crowd.

Ray Randall serves clients as a registered investment advisor with his firm, Ethos Advisory Services, Essex, Massachusetts http://www.ethosadvisory.com . He has wide experience within the financial services industry, writes a weekly newsletter for Ethos Advisory Services, and coordinates the developments at Echievements . Ray holds a Masters Degree from Gordon-Conwell Theological Seminary, Hamilton, MA. You may email him or call (877-895-3756).

rayrandall@echievements.com