Difficulty: Moderately Easy
Things You’ll Need:
Step1
Calculate how much debt you have. This has to include everything you owe. Be honest with yourself, and make sure to write it down so you know exactly where you're starting.
Step2
Pay more than the minimum on your credit card. If you only pay the minimum, you are accumulating an obscene amount of interest. Think of interest as a gift you are giving your creditor. Wouldn't you rather spend this money on something else? You have to understand that credit card companies do not want the customer that pays the balance in full every month. They want the customer that will make them the most money, and this is why the minimums are so low. The ideal customer to them is one that takes really long to finish paying their debt. The problem for you is that you lose a lot of money to interest.
Step3
Do not get into any more debt. Once you decide you will be debt free, you know that you will have to cut expenses and have to do without certain luxuries that may have put you in debt in the first place. Resist the temptation to spend money you do not have.
Step4
Halt any recurring payments to your credit cards. If this is how you pay for your gym, change the method of payment (if you even go to the gym, if not cancel it). Get it to come out of your bank account. If this is how you pay for Netflix, change the way you pay for it. Do not incur any kind of debt whatsoever.
Step5
Try and have an emergency fund at all times so you never have to turn to credit in case of an emergency. Ideally, you would have done this before getting into debt. If you do not have an emergency fund, you will always use credit. This is why even as you are trying to pay your debt off you should set up an emergency fund.
Step6
If you must choose which credit cards to pay off first, always choose the one with the most interest. These are usually store credit cards.
Debt is a huge weight on our backs
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