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Credit CardsCredit card debt can be overwhelming.  The minimum payments can get out of hand.  Do you feel like you will never be able to pay them off?  Well, there is a way to get out of credit card debt without going bankrupt or ruining your credit.

However, you have to promise 3 things:

  • That you are not going to use your credit cards anymore.
  • You are going to create a budget and follow it.
  • You are going to change your spending habits.

It won’t be easy, changing habits never are, but if you will promise to try, then you are already on your way to getting out of debt.

Now, here’s what you need to do:

  • Make a list of your credit info. (Download our table to help)
  • Determine the amount that you can pay each month towards the credit card debt according to your budget.  ( $200.00)
  • Pay the minimum on the credit card with the lowest interest and pay the rest towards the higher interest credit cards. ( $75 to Bank of America and $125 to Capital One)
  • Whenever you find you have some extra money put it towards the highest interest card.
  • Continue with this payment arrangement until the credit cards are paid off. As one card is paid off, apply that payment to the next highest interest rate card.

BONUS:  if you split the monthly payment in two and make the payments twice a month, you will reduce the average monthly balance and, consequently, reduce the finance charges.