Seven Tips for Paying off Credit Cards

If seven is your lucky number then you’re in luck. Here are seven tips you can start using right now for paying off your credit cards.  If you make a concerted effort to follow this advice, you will be well on your way to finding workable ways to eliminate credit card debt and make your life a lot more pleasant.

1. Make the commitment to stop using your credit cards right now.  If you are in the habit of using credit cards to get everything you want, you may think there is no way you can do without them, but if you are going to reap the rewards that come when you eliminate credit card debt, you must start with this one step.
2. Eliminate frivolous spending.  Nearly everyone spends money on hings they don’t really need every month.  Whether it is a morning coffee at the local diner or a figurine collection, give it up. 
3. Take the money you are no longer spending on frivolous things and apply it to one of your credit cards.  Increase your regular payment amount by whatever you have stopped spending and keep doing it until the balance on that card is gone.
4. Once that balance is gone, start doing the same thing with another card.  Add what you were paying to the first card to the amount you have been paying to the second card and keep doing it until that card is also paid off.  Doing this will help you eliminate credit card debt once and for all.
5. Consider finding a second income.  If you need to, look for part-time employment or borrowing from a relative who will not charge you interest.
6. Negotiate the elimination of all fees on your credit cards.  If you are paying an annual fee, over-the-limit charges, or late fees on your cards, contact your creditors and get them taken off.
7. Consider hiring a credit recovery specialist to help you find other ways to eliminate credit card debt and offer more tips for paying off credit cards. 

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