Simple Way To Reduce Credit Card Debt

 

The most important step to reducing credit card debt is to stop using your credit cards. It takes longer to repay the debt if you keep using those swipe happy credit cards.

The only way to ensure that you can stop using those cards is by cutting all the credit cards into samll pieces so that they are not available for use.

However you may want to keep one card for emergency use. But keep it frozen in a block of ice in your refrigerator and only use it in times of emergency!

I have not cut my credit cards into pieces. I used to hold 5 to 6 cards but I have reduced the number of cards that I have and only keep the neccessary ones.

I have learnt to differentiate the NEEDS from the WANTS, and greatly reduced my spending on the WANTS.