This is the time of year that we get our credit card bills in the mail for the Christmas shopping we did and we may be overwhelmed as to how much we have spent.
You want to pay off your credit card bills as soon as possible because it can cost you a lot of money in interest if you carry high balances.
Finding a way to reduce or eliminate your credit card debt is not difficult but you must make the commitment to to get this debt paid.
You will find that making a few changes will make all the difference in getting your credit card bills eliminated.
It is always better when going into the holidays to save a little money each month so when you are shopping you can pay cash for everything and you do not have to charge up the plastic but this does not always work out so well.
In many cases we do not have enough money to pay for these items so we use our credit cards to purchase these items.
If you make the choice to get these cards paid off then you are going to have to give up some things in the short term to do so.
You need to have a list of spending and these would be the things that you spend money on each month.
You need to look at this list and see what items you can eliminate form the list or reduce.
This extra money you need to send to your credit card company to make extra payments to get your debt paid off.
Remember that if you make this short term commitment to pay off your credit cards it will result in a long term savings.