How Did You Get Rid of An Ugly Credit Card Monthly Payment

If you truly want to get rid of your ugly monthly card payment, you have to begin today.If you wait and don't address a problem, it usually gets worse, so don't wait.

If you have bills hanging around your neck, be assured that you can rid yourself of these.

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.  Now we all know what that means, so don't let yourself get talked into buying something for someone or even yourself that you didn't really want and certainly don't need.  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.Break free of this constant debt cycle that never ends.  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.