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When you finally wake up or get back on your feet and realize you need to pay down this credit card debt, depending on how much you have, it may seem like a pretty daunting task.Here are some helpful tips to help you reduce your credit card debt and to help you avoid going into more debt in the future.While this doesn’t eliminate your credit card debt, it does help you decrease the balances; all while paying less interest.This isn’t a method that should be used by the undisciplined, but it can be a wise move.Literally, put your credit cards in a cup or bowl of water and place it in the freezer.
Take the time to understand the difference and make the decision for yourself.
You can enlist the services of the Pay Off Debt app to help you get rid of your credit card debt.
Alternatively, an app called Tally will help you manage your credit card debt payoff with the help of their technology and a line of credit. If you need to be motivated by a quick win, consider using the debt snowball approach.
If you’re a number cruncher, consider paying off your debts by tackling the card with the highest interest rate first. Build upon your small victories and destroy your credit card debt one at a time starting with the smallest.
There’s a big psychological advantage to using this plan of attack.