Your best tip in paying off credit card debt?

Here are some things. Get a credit card with a lower interest rate. Many will give you 0% interest for a certain period of time. This will give you a jump on the interest. I know someone who keeps transferring their balance to these 0% interest cards. Pay more than the minimum payment. You might say that is all you can pay but I know it isn't true. 1. Do you have cable or satellite tv? This is not necessary for survival. If you do then you can use the extra $30+ for the credit card. I have money and I normally don't have cable. I have some crappy satellite thing for $70 for 3 months. I work a lot and don't have time for it. Therefore it is a waste of money. 2. Instead of buying a book get it from the library. They let you check out books for free. 3. Instead of going to the movie theater rent a video from the library. They let you rent dvds and videos for free. 4. Instead of eating out. Stay at home. You will save money on food as well as gasoline. 5. If you have central air or an air conditioner. Make it 1 degree warmer. 6. Turn the lights out when not in use. Electricity costs money. 7. Turn off the water when you brush your teeth. Yes water costs money too. LOL 8. Do not drink soda. Try a non carbonated beverage that you make yourself instead. 9. If you smoke, don't. This will give you lots of money for the credit cards. 10. Don't buy it if you don't need it. 11. Wear a sweater or jacket in the winter and set the thermostat to 65 or lower if you can stand it. BRRRRRRRRR 12. Don't drive unless you have to go somewhere. Walk or ride a bike if you can. I will walk to the convenience store which is about 4 or 5 blocks away. Someone asked me for a ride to the store once and I just said to them "Yeah right". LOL If I am walking I'll be danged if I am going to drive someone when I am not going anywhere. There are so many more things but you just have to be creative and frugal.

I guess when you said, "can't seem to get them paid off", it sounds like a big amount. Saving up from daily life is one part of the story, talking to officer to do a 0% interest transfer can easy for awhile, but for a long term and effective way, i think you should look into ways of getting more cash flowing in. If there is easy part time job, grab it! Anything that is unnecessary at home but still has its value, sell it!I know it's easy to say than done, believe me, i been though this, don't wholely focus on the amount of minimum payment, look at way to get more side income. I started selling on ebay when i was in deep debt last time. If you think it is difficult to sell online, i can tell u now, it is a lot easier than it sounds.

The biggest mistake that we make while using credit cards is that we try to pay only the minimum amount that is requred to pay, this is the worest thing one would do their credit card as those credit card companies will charge a huge amount of interest on the unpaid amount and the subsequent new transactions even if it is a new transaction. So, i would suggest you to try to pay the maximum amount (if not full) on that particular month instead of paying only minimum balance. This will slowly but steadily reduce your debt for sure.

best tip, go to a credit counsellor, sometimes they can reduce the amount of minimum charges for you. other points see if you could get a loan from the bank on loan to cover all the bills and it would be less interest as well, and cut up the cards and do not use them

Well, usually that suggest paying off the higher interest one first. Then after paying them off, add that payment to the next highest. I would just have to suggest to just add any extra money that comes in thru the month just add it to the payment of a credit card.

how much is a little over minimum payment? I was paying about 10-20 over nd it has started going down... maybe you need to do 40

I have been in this situation hun and I know just how hard it is to get out of debt like this. The first thing I would suggest is that you maybe contact your credit card companies and tell them that you are having problems, they can sometimes cut the cost of the repayments for you. I would also suggest may you try to sell off some of your things, maybe on eBay, as that can raise money quickly and can reduce your card payments a little more.

In addition to all the sound advice others have given you, do you use coupons when you go shopping? If so, take the cents off you save from the coupons and put it in a change jar. Every month, empty out the jar and put whatever you have saved toward a credit card bill in addition to the minimum payment. Also, toss your change at the end of the day into a jar and watch how quickly it adds up to put toward a credit card. I have several department store cards almost maxed out from Christmas but since I'm not using them and paying $5-$10 extra a month on each, they are slowly being paid off. I work part-time and also have time to come online and make a lil extra money as well. Coolseeds is on it with her list. I do most of the stuff she listed now and have discovered just how much I was wasting on things that aren't really necessary and now have more money for bills and camping.

First and foremost, stop using your card. Your main goal is to pay it off as quickly as you can so it won't incur interest anymore. How to do it: 1. Try to seek the help of your loved ones or friends you think have extra cash who are willing to help you out, tell them about your problem and promise to pay them as soon as possible or pay them monthly with interest but of course much lower than the credit card company is asking. 2. Change your lifestyle, if you go and dine out once a week then limit it to once a month. If you love starbucks coffee, substitute it with a 3 in 1 coffee instead. If you buy magazines, wait a couple of months then buy the back issues cost is less than half. There are more ways to cut on expenses, I'm not saying that you have to eradicate your pleasures and vanities and suffer. You just need some cost cutting in order to save for the payments so ou'd be free from debt. 3. If you can avail of a loan with a very minimal interest rate, grab it and pay off your card. 4. Sell your non-performing assets like outdated clothes, jewelries, bags, accessories, electronic equiptment. Try to de-clutter and set-up a garage sale. Proceeds can help you out. 5.Promise not to let credit cards rule your life and be a lot smarter.