Most people continue their debt spending ways till the judgment is so large and agonizing that they don't want to handle it and then destroy their credit for many many years. You do not have to go that far before it's too late to handle your debt, take the time now and see your credit card statements. Avoid applying for new credit cards; watch out for the credit card enticement of moving your credit card balance from one credit card to another. If you do move your credit card balance to another credit card to reduce debt, make sure you never, ever charge on that old credit card again. Remember when you open up another credit card with the large interest rate in the expectation of removing debt, you just caused an adverse action on your credit score. crushing debt? Regardless of how much you feel you are aware about crushing debt, see article continued here, to learn so much more about this subject..
Why live debt free, you might ask? After all, you are getting by OK as it is, making your credit card payments and buying most things on credit, like most Americans.And It Gets Even Better....
Your debt can be reduced by looking at all your bills and debts. You might have heard to pay back the debts with the greatest interest rates. That's old school because most people lose focus or get depressed because the highest rate could serve as a large debt you are trying to pay off. Just in case you are after a little more details related/relevant to this topic, stop by; https://www.rebelmouse.com/agnesbiz/getting-your-baby-bonus-check-892084271.html.
I have found that the best way is to pay back the smallest debt first, this way you can see progress. Once you pay off that bill take all the money used to repay that debt and apply it to the other bill plus what you'd been paying on that debt. Before you know it, the debt will start disappearing and you will feel more in control of your lives because of the shrinking debt. Maybe then you can spend a night on the city without worrying about how to pay for it.