Clean up Your Room: a Slob's Attempt to Eliminate Credit Card Debt (cont.)
Contributed by Alix Mcmurray
Getting Started is Always the Hardest Part in Your Quest to Eliminate Credit Card Debt
Get organized at home. Consider using something more protected than a kitchen table for your bill paying zone. In the flurry of kids and pets romping in and out, meals being served and eaten, and bags and packages accumulating (along with your husband's electric drill),important papers can get buried. And the consequences are extreme: paying credit card bills late can radically increase your interest rate (APR). You'll save money in the long run if you always know where your bills are, and pay them as quickly as possible.
Eliminate Credit Card Debt by Treating Yourself Well
Find yourself a desk, an end table, or a corner in the bedroom, and sit there only to open mail and pay bills. Even a drawer in the kitchen, designated for credit card bills and other bills only, will work wonders in keeping you on track. You can think ahead by keeping on hand self-stick return address labels and rolls of stamps. These speed up the mechanical aspect of bill paying. Keep envelopes, adhesive tape, glue and pens at the ready. If you don't have the space for a proper "home office," then keep these things in a special location where you can find them easily.
A Word to the Wise: The Best Way to Eliminate Credit Card Debt is to Use Your Credit Cards Only When Absolutely Necessary
We've all fallen prey to using credit cards as a means of treating ourselves or someone else to something out of the ordinary. Some product or service that we don't quite have the funds to afford at that particular moment is one of the impulse buys people make every day on their credit cards. Window shopping is a dying art. Keep this subtle art form alive by practicing it on a regular basis.
