It’s time for ‘Plastic Surgey’ – cut up those cards!
You’re not alone. In fact, according to a recent article, the average debt per credit card is over $3,000! People are constantly looking for ways to cut down their credit card debt and hoping for a quick fix, but unfortunately that’s just not how it works.
When looking to reduce your credit card debt you really need to stop thinking about it and just start doing it. Go ahead and get some ‘plastic surgery’ i.e. cut up those cards! It’s similar to ripping off a band-aid; it may seem painful at first but once you do it, you’re relieved.
Of course, not all debt is bad. Loans allow us to purchase our homes, vehicles, start our businesses and more. The problem with credit card debt in particular is that it’s often relied on when there isn’t a need for it.
Credit cards are sitting in your wallet, on your person, at all times. This means it’s much easier to use them and increase your debt unnecessarily, which can create a major problem. We’ve given you countless tips on how to save money, and the truth is the best way to combat your credit card spending is by saving. It’s not such a crazy idea, after all, savings allows you to feel more confident when you’re making bigger purchases, placing a down payment, paying bills and in general keeping your life moving forward.
So are you struggling with credit card debt? That’s okay. Go ahead and take the first step and cut up those cards. Then use all the great money saving tips we’ve given you in the past and utilise them to start paying off your debt. Slowly but surely, you’ll chip away at your debt and begin to remember what it was like without having a monthly credit card payment.
If you’re really struggling to pay off your debt go ahead and set up automatic transfers for every time you get paid. This means by the time you actually ‘see’ your pay, the money to pay off your credit will already have been set aside so you won’t even miss it! Remember, debt isn’t necessarily a bad thing, but if you’re relying on your credit card each month to boost your lifestyle and not paying it off in full, you’ve probably already accumulated more debt than you’d like.
All you need to do is make the decision today to minimise your credit card debt and get going. You won’t regret it and and soon you’ll be on your way to making your dreams come true with your new car, home, business, etc. Make a move today for a better tomorrow!