Secrets of Success

Motivation To Pay Off Credit Card Debt

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MEMBERS SPARKED

Assuming you have credit card debt with multiple credit cards, the way you can see progress and get some positive reinforcement is to list your credit cards from lowest balance to highest.
Make minimum payments on the higher balance cards and make the maximum payments you can on the lower balance

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When you pay it off, give yourself a GOOD reward, just don't pay for it with a credit card!
Next, do the same thing with the higher balance card(s).
If you have two cards with similar balances, pay off the one with the higher interest rate first.

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Member Comments

  • SUGAR1999
    ...and if you're a spendaholic you can freeze your credit cards-literally. Stick them in a container and fill w/water and then freeze it. The extra time it takes to thaw it out can give you pause for thought - by SUGAR1999
  • Another way to do it is to rank them from the highest interest to the lowest, and pay off as mentioned above. - by MRSJARI
  • YOu have to keep interest rates in mind as well! - by JENNIFERADCLIFF
  • I am a Dave Ramsey follower and this is without a doubt the most important thing that people can do to help with their health. Stress caused belly FAT! Credit cards and debt cause Stess! See how important it is to be debt free. - by PONYFARMER

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