Credit Card Payoff - 5 Steps to Payoff Credit Card Debt Now

What is the best method for credit card payoff? The best way to payoff credit card debt is to follow a system called the focused payoff method. With the focused payoff method, you can get rid of credit card debt in a matter of months. Here are the steps to take now:

1. Get out a sheet of paper and list your credit cards. Arrange your debts from the smallest balance to the largest balance. For example, you would list Master Card $500, Visa $1,000, and Discover $2,000. This is the order that you'll pay down your debts.

2. Find some extra money to pay down on debts. You can do this by either cutting expenses, earning extra money, or doing both. Let's say that you find $50 a month that you can put towards debt elimination.

3. Focus on paying down your first bill. So in our example, you would pay $50 extra on your Master Card this month. This would continue until that bill was completely gone.

4. Next, focus on paying down your second bill, and so on. Just keep this process up. Whenever you pay down the first, then focus on the second, third, fourth, etc... The main thing is to FOCUS on one credit card at a time. Of course, continue to make you minimum payments on everything else that is required.

5. Once you have paid off all of your credit cards, then celebrate! Maybe you could take a little vacation somewhere and actually pay cash! You will no longer have a bunch of minimum credit card payments each month.

By using this system, most people can pay off their credit cards in a matter of months, not years. What plan do you currently have to get out of debt? If you don't have one, then try this. You'll be glad that you did.

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