How to Get Rid of That Ugly Credit Card Monthly Payment

If you truly want to get rid of your ugly monthly card payment, you have to begin today.   Most people prosrastinate to the point of digging a hole so deep in debt that they can never return.

No matter what you are hearing or thinking, it is possible to become debt-free.

First, take a good look at the credit cards you have applied for and for goodness sake, don't apply for any extra!  You want to get rid of your debt, so throw away those enticing zero percent down card offers as soon as they land in your mailbox.  They are a trap waiting to catch you and your spending moods.

Secondly, put away your credit card until you have an emergency - a true emergency.It is easy to let someone talk yourself into a purchase that you really don't need or want.  If you put your credit card away, really away instead of in your pocketbook, you will be less likely to pull it out on the spur of the moment.

Third, don't borrow from Peter to pay Paul.  So many people get caught up in this cycle, don't be one of them.  You will never get out of a hole if you do this. 

Fourth, start cutting.  I mean seriously cutting your expenses to the bone until you see some serious process.  Set a goal for yourself for the short-term and the long-term.  For example, tell yourself that you are going to add one hundred dollars to your credit card payment this month and do it.  You will be amazed at how good you will feel just taking this first step to being debt-free.