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  • Darryl Smith

3 Tips to Eliminate Credit Card Debt


1. First rule of paying off your credit cards, stop using them!

Your balances will never get paid off if you don’t take a break from them. If you are in a tough situation and are using them to help pay for your cost of living then your problem is much bigger then you think. If this is your situation, you need to take a close look at where all of your money is going and make some hard decisions on your spending habits. Buying a coffee on the way to work and other take out foods are a luxury you simply cannot afford at this time. Bring a thermos and your lunch to work and get back to cooking your meals from scratch to avoid spending to much money.

2. Pay off the lowest card balance first.