Believe it or not, there is actually some good news amidst the economic crisis. In an attempt to cut costs, many companies are trimming down their marketing budgets. the first things to go are usually the least effective marketing strategies. What’s the one marketing message almost everyone ignores? Junk mail. Well, good news, there’s going to start being less of it.

Credit card companies said they are going to offer about 13 less credit cards to families each month. This is really a good sign on so many levels. First, the environment gets a boost. Credit card companies are going to be sending us less paper to turn around and throw away. Second, we consumers will stop getting so much junk mail, since so much of it is usually a credit card offer. Third, credit card companies will only look to offer cards to the most responsible borrowers rather than blanket all consumers as a whole. And lastly, this is bound to lower the number of new credit cards being purchased and put into circulation.

This is great news! The credit crunch and economic crisis aren’t going to go away by spending more money that we don’t have; it’s going away as we pay off our debts and start spending only that money that we have. You see, the whole premise of a credit card is a “have now, pay later” mentality. Unfortunately, people don’t just use them to have now what they can pay for later. They get what they want now when there’s no way they can pay for it later. A house for example. Look at all the foreclosures. Homes are purchases with loans which are offered on credit. See how much credit can hurt you?

What’s your best bet? Keep tearing up the credit card offers that are still bound to keep coming. At least they will come less often. But at any rate, throw them out. Don’t ruin your finances with a pointless credit card. Get one, have it for emergencies, and that’s it. The more we save and the less we spend the better this economy will be. Say no to more credit cards!