subject: 3 Easy Techniques To Wipe Out Debt [print this page] It is no surprise that the U.SIt is no surprise that the U.S. economy is on a sharp decline. Americans are struggling to stay afloat, occasionally having to work more than 1 job just to make ends meet. Now more than ever, it is imperative to learn how to get out and stay out of credit card debt. The following three tips will help you get closer to your goal: a debt-free life. From prepaid credit cards, to credit card debt consolidation, to freezing your credit cards (literally), you are able to break the chains of credit card debt, starting these days.
1. Prioritize Your Debts
While you may possibly believe all credit card debt is bad credit card debt and ought to be wiped out in 1 fell swoop, that's not usually realistic. Focus on the credit cards that have the lowest interest rate and/or the lowest quantity on them. If you knock out 1 at a time beginning using the least quantity it will give you a feeling of accomplishment and motivate you to keep at it.
Keep in mind that some credit card debt is considered beneficial, such as a mortgage (provided it is not upside-down) or home-equity loan. Tackle the credit cards very first; try and consolidate them, if feasible, using the 1 that has the lowest interest rate.
2. Use Prepaid Credit Cards & Prepaid Debit Cards
A relatively new concept, prepaid credit cards and debit cards are similar to traditional cards, but they help you remain within budget. Let's face it: Plastic is effortless to 'spend,' and the spending can get out of control when the limit is much higher than you are able to actually afford. Prepaid debit and credit cards allow you to make the same purchases you would with a standard ones, but you cannot spend more money than what's on the card.
Don't fall into the trap of spending money you don't have with credit cards. Look into prepaid credit cards and prepaid debit cards to help keep your spending in check.
3. Debt Very first, Savings Later
While a majority of Americans have credit card debt of some sort, they also continue to put a little into savings. It may possibly seem like creating a nest egg is the wise thing to do, but at the end of the day, credit card debt can ruin your credit score and your future. Of course, it is usually important to invest into a retirement plan, but never put your debts owed on the back burner.
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