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Karolina V. Linares leads a reader toward a profoundly life changing truth and can help even the most materialistic person. Actions and attitudes about making money, spending and saving money, using credit cards, paying bills and everyday living expenses are all covered in "Use Cash To Buy It." Self help to financial freedom has to start with the basics, but it doesn't have to boring or complicated. This guide is witty, fun and has pizazz.

(PRWEB) January 20, 2006 -- Millions of Americans today are in major credit card debt. We all have to face the facts that rising credit card debts are a burden to our society in numerous ways. We are a nation of spoiled people in the throws of constant personal satisfaction, thinking we deserve every new item of convenience, no matter what it costs. Can this change? Can people go back to a method of saving money first, before purchasing a wanted or needed item? Countless programs and books have been written with surefire ways on painlessly getting out of credit card debt, without changing the lifestyle. Behind all of this fluff, it becomes evident that there has to be a significant change in a person's lifestyle while paying down a large credit card debt. And we all know, significant changes are not painless.

Nine years ago, author Karolina V. Linares accumulated a credit card debt of nearly $14,000.00. She had an average career, making an average income. She was not a homeowner and only had one almost paid off vehicle. As a young adult, Karolina had a mind set that many people have. It's a belief that life is better, getting the items you want, when you want them. Things you want, magically become things you "need". Add a credit line or two and you've got trouble. With the incredible help of her boyfriend, Julian Linares (now husband), she was able to face her financial problem. Using five activities of breaking the credit card habit, paying down the debts, budgeting and saving on expenses, she wrote a personable guide that could help anyone. The final goal in her book "Use Cash To Buy It!"is regaining the strength, wisdom and the joy of becoming and being a cash consumer, even in our society of electronic transactions.

Many people have no other choice but to feel trapped with too many credit card payments each month. Others have experienced using consolidation loans, with promises of a low manageable payment each month, only to find they are worse off than they were before or finding that their credit becomes destroyed after seeking credit counseling. No matter how the debt happened, "Use Cash To Buy It!"can help people break free of the entrapment and move toward a healthier, wiser, and happier life, on their own.

Additional information about "Use Cash To Buy It!" and about Karolina V. Linares can be obtained on her Website www.usecashtobuyit.com.

KVL is a sole proprietary business started in December of 2005.We are proud to be a 100% debt free business, based on the principles of "Use Cash To Buy It!" written by Karolina V. Linares, author, graphic artist and sign designer.



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Yes, low APR credit cards are on the rise. Many credit cards are competing for your business to give you the best and lowest rates available today. There are so many credit cards from you to choose from that they are doing all kinds of things to get your attention including lowering their interest rate and giving you no annual fees.

Why is this happening? Because there are so many credit card companies. They all want your business and this is an attractive incentive to get you to apply and own one of their credit cards. If you choose a low APR credit card over one with 19.99 percent you are sure to go with the lower APR.

The only problem is that sometime these 0% and low APR credit cards are only promotional ways to get you to apply and then later your interest rate will rise. Many credit card companies have low APR credit cards for a certain amount of time such as 3 months, 6 months and some up to one year. You will have to compare to find out which one keeps the lower APR after the promotional period to ensure you are getting the best deal around.

No matter what the reason low APR credit cards are here to stay as long as the companies are competing for your business. Just remember to compare everything they offer besides the lower interest rate. You may find that several credit card companies are now offering other wonderful incentives for you to apply with them such as reward programs.

No matter which company you choose, you will enjoy the low APR credit cards even if it is only for a limited time. You will be able to save money on your purchases because you will not have to pay any interest until the promotional period is over. Just be sure your balance is very low when the interest rate kicks in and you will be fine.