Playing with credit cards is playing with your soul!

 Ten ways to get out from under your credit card debt today & forever

Ask Jennifer Ott.  Even with a good job in the fashion industry she’s forced to choose between paying her federal taxes or paying down her credit card debt.  She decides to pay off her taxes, but finds out just how vindictive credit card companies can be.

In her hilarious and diabolically funny new book, Ooh Baby Compound Me - A Comparison of Credit Card Companies to Fraternity Hazing, Jennifer shares her ordeal by fire, bares her soul and lets loose her wicked tongue.

Ooh Baby Compound Me is a testimony to years of sacrifice trying to fulfill dreams while maintaining a swinging lifestyle in the fashion world. It came at a price and for Jennifer Ott; the price was credit card debt. Today she lives to write about it.

Hell hath no fury like a woman scorned and she’ll share with your audience the very best of what she learned in the course of her multifarious escapades and dealings with the goblins and specters of the credit card industry. 

She has been hounded to death by the spirits of evil and taken countless journeys into the darkness of fear and personal loathing -- places where the relationships with ones creditors have gone truly cold.

Here’s a short excerpt.

“Even as serious as I have changed my tone, sometimes I just need to burst out in crazy laughter like some evil genius massaging my goatee at the absurdity of these agreements. I'd like to introduce you to how you can become default on the creditor’s agreements.

 Of course, the first one is failure to make payment. Second is if you violate any of the said agreement and third-which just makes me laugh out loud in irony is if you die.

Yes, you will become default on your loan agreement if you die, but that is less important to creditors than failure to make payments and violating their agreement. Oh my god! This is so outlandish that I can’t help but laugh.

 My mind spins backward to all the marketing and propaganda of all the creditors. I think of their inspiring commercials of living richly, fulfilling dreams, spending time and money with love ones. They promote images of caring and consideration, but what happens when we die? Who is going to flip the bill? Where are they going to get their money?

 Another absolute crazy aspect of this, is dying to the creditors is looked upon as a default of agreement. Dying is comparable to failing to make minimum monthly payment or supplying false information. And here I always thought dying was natural part of life.

 I do believe if the creditors had their way, we’d live forever and keep spending.” 

Jennifer Ott will amaze you as she shares her lessons learned and avoid using the jargon you hear in banks, credit offices, and read in economics books.  She has discovered how to start the fires of trust and love of shopping kindling again, keep the fires burning, and get things really roaring. 

 Ask her the following questions and she’ll offer up these truly wonderful golden nuggets of personal finance wisdom:

 ·         Shop Around – When pledging a fraternity, we don’t party at just one. We party-hardily on fraternity row until we find the house that suits us, so why wouldn't we shop around for the best credit card?

 ·         You Need to Pay to Play – You can't have credit without credit. The wise man that saves his pennies and spends with cash doesn't isn’t invited to the beer bong parties, attend wet T-shirt contests and doesn’t get to ride on the Greek floats.

 ·         Living Within Your Means, Not Richly – Just because all that propaganda encourages extraordinary lives and priceless moments does not mean you can afford it. Hey look, creditors like fraternity brothers love when we party hard and shop until we drop, but remember it is not much fun when we’re hung over in debt.

 ·         Pay With Credit, Pay More – Just like a fraternity has frat dues, so does creditors. So remember, when charging that six pack, creditor interest will be tacked onto the price. If you do not pay your balance off in full, you are actually paying more than cost.

 ·         Pay Off Balances Monthly – All though creditors love party animals who carry credit card debt, it will only make you deeper in their debt, hence why the love you so much. Just remember, creditor love can be smothering and overwhelming. Who wants that?

 ·         Don't Be a Sucker for Rewards – Rewards are great! We all like a pat on the shoulder and the occasional freebie for our good deeds, but remember these rewards come with a price tag. It is the kind of reward you must pay for to receive and that is indeed a little pathetic.

 ·         Review Your Bill - Creditors are all about the prank, you know like the, "Kick me," sign taped to your back. However creditor jokes are more like increased interest rates, fees and possible lowered credit. Know what you're paying for.

 ·         Know How to Score – That is your credit score. For creditors, your credit score is kept track like a swinger's little black book. Know how you are being rated and by whom, it could save you from serious future hazing.

 ·         Don't Close Accounts – Like an obsessive lover, creditors hate to be rejected. Good consumer or bad, they love having you in their scope.

 ·         Read the Fine Print – Yuck, read! Man that fine print is awfully hard on the eyes and makes my brain hurt, but you need to know for sure the contents buried deep within the tiny print could just save your financial future.