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Having seven credit cards, she freely bought clothes, took vacations and purchased textbooks for school – all on credit. “Plastic equals temptation, so remove the credit cards from your wallet. “If you’re going to create a strategy to pay down one or two specific credit card accounts, you need to see the entire picture first,” says Christopher Viale, president and CEO of Cambridge Credit Counseling. Then she went in for the kill – slicing and dicing the wants and impulse buying. The turning point came when she couldn’t pursue her passions in life because she had to get a jobs she didn’t like just to pay the bills. “I realized debt was holding me back and influencing my decisions,” says Styles,31, creator of Young Now that you’re paying with cash or debit card, when the money’s gone, the spending has to stop,” says Gail Cunningham, spokesperson for the National Foundation of Credit Counseling (NFCC). “Through the budgeting process, you may discover that there are a few expenses you could suspend, reduce or eliminate entirely, allowing you to put more money toward paying down your credit card accounts. “Buckle down and really focus your efforts on getting rid of the debt,” says Barry Myers, founder of Living 138 and author of From Debtor to Better: The Details of Debt and How to Get Out! Viale says Cambridge has the free “Learn Now or Pay Later” Resource Guide to assist consumers at “You’ve undoubtedly heard the debate about paying the debt with the highest interest rate first versus paying off the smallest debt first. And once you put your cards on the table, you and your partner can come up with a plan for getting out from under.One strategy suggested by Beverly Harzog, author of , is to start paying off the smallest balances first.One-sixth of respondents said debt kept them from doing something they planned on, such as buying a home or taking vacation.The findings dovetail with MONEY’s research into couples and financial harmony. After all the bad dates and heartbreak, at last you’ve met The One, and you’re ready to start down life’s road together.Except your new love is carrying one piece of baggage you hadn’t counted on: credit card debt. In a new Nerd Wallet/Harris Poll survey of more than 2,000 adults, 35% of those who combine at least some part of their finances with a partner brought credit card debt into the relationship.
Call your credit card issuer to see if they have any holiday shopping promotions when you use your card.Her final payment of old debts was paid off in October 2014. “Getting out of debt is more than just making the payments, you have to change your mindset about how you spend and dig down to the habits that contribute to your mountain of debt,” says Styles. It is nice to get paid to use a credit card instead of the other way around,” says Styles. Sidebar 3 – Ten Websites to Help You with Credit Card Debt 1. Now you can charge virtually anything—and some things you Our love affair with—and subsequent marriage to—the credit card was launched in 1950 by an embarrassed businessman named Frank X. According to the story he told so many times it became a legend, one day he finished a meal in a fine New York restaurant and discovered he had no cash to pay for it.Credit cards for restaurant meals were as yet unheard of, so he called his wife and had her rush over with money to bail him out.