Pay Off Your Credit Card - 5 Steps to Get Out Of Debt Fast

Credit card debt is a major problem. It's very stressful to have so many bills with different due dates and balances that keep going up higher with each passing day. If you've been fighting with credit card debt, then here are some helpful guidelines that you need to know.

First, stop using your credit card. This will stop the current problem of running up more debt. Use checks or debt cards instead. Only use your credit card if it's a true emergency. Not for the next major sale.

Second, make a budget so that you know where all of your money is going. Carry a little notebook around for 30 days and write down all of your expenses, especially the cash transactions. It's easy to forget what you're spending money on until it's written down. At the end of 30 days, you should know where most of your money is going. Figure out some areas that you could cut back on and live within your means. Once you find some extra money, you will use this to start paying down on your credit card debt.

Third, don't consolidate your debt. Debt consolidation loans sound good at first, but usually they end up putting you deeper in debt. Why? Most people will pay off their credit cards with one of these loans and then what happens when their credit cards have zero balance? They start charging them up again. It's better to pay off debt for good and get rid of it, than to shift it around from one loan to another.

Fourth, focus on paying off one credit card at a time. Paying a little extra money on all of your credit cards doesn't get you anywhere. The key is to focus on one card until it's completely gone! Then after you pay off one, start paying off another credit card. Before you know it, you'll have several paid off just by using the power of focusing.

Finally, figure out a reward for yourself once your credit card debt has been paid off. What is the biggest reason to get rid of your debt? Would you like to have more choices in life and be free from nagging bills? How about taking a vacation and paying cash for it after all of your debts are gone? Once your credit card minimum payments are gone, you can take this money that you were wasting on debt payments and give yourself a nice trip and pay cash! Could you quit the job that you dislike and do something else instead? Think about what's import to you. This will keep you motivated throughout the debt payoff process.

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