I merely [borrowed|took out a loan from Mr

I merely [borrowed|took out a loan} from Mr. Big Credit Card Company and now I'm paying him back. Andif I can't pay him back all at once, I have to pay him more. Wait, what?
If I didn't have the cash to pay for it when I wanted it, should I have purchased it in the first place? Did I really need it? That is the proper question. Unfortunately, this question is not asked nearly enough. Let's face it, debt is a burden. It weighs heavy on us, shackles us and, at times, paralizes us. It paralyzes us.
Let's look at one of the biggest debts out there - our home. Even if you purchased a home that you could afford, you likely received a loan to cover the cost and hence are paying back the principal plus interest. You didn't really pay for it when you bought it, you pay it off over time, and you are paying more. We all know the terms by now, 30-year fixed; 15-year fixed, ARMs coach coupons 2012, etc. All of them have one thing in common - principal and interest payments which equal paying more than the face value of the loan.
But what if you could stop paying more, or at least decrease the amount of the "more?"
One of the best websites I've run across to help make sense of the burden of mortgage debt is PocketChangeGenius.com This information-packed, membership website is a valuable tool that allows you to take a look at your specific situation and helps to make a plan for debt reduction and save thousands of dollars in the process.
For instance, the website's payment calculatorwill show that with a mortgage, your monthly payments are amortized, which means each one includes a portion that goes to pay interest and a portion to pay down your remaining loan balance, or the principal. But what the banks fail to tell us is; there is a way to drastically reduce the amount that we pay over the life of the loan. The Pocket Change Genius will share with you the secret of saving thousands of dollarson your mortgage.
No one is going to make your payments for you, but if we could show you a simple change that you could make which would result in a tremendous savings to you, is that something that you would be interested in? We are here to tell you that when you enter your actual loan numbers into our customized payment calculator and apply our system, you will be absolutely amazed at the end result.
In addition Louis Vuitton Sunglasses, the Pocket Change Genius system also looks at other types of debt such as the "Mr. Big Credit Card Company" debt and maps out a course for saving you money.
Yes, debt is a burden, and it's hard to put a price tag on the psychological benefit of being debt-free and owning your own home, but with the Pocket Change Genius, we can help lift some of that burden.