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The following article was published in our article directory on December 14, 2011.
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Credit Cards - Wise Steps to Curb Debt

Article Category: Finances

Author Name: chickie maxwell

These days, it's a normal thing for a working adult to have multiple credit cards on his or her wallet. Depending on the transaction, plastic A, B, or C may be used. And while there is nothing exactly wrong in this, many fail to practice adequate prudence when using their cards. The next thing they know, their debt has accumulated and they're already in hot water. In this article, let's talk about some wise steps in order to reduce debt.

Create a budget -You have to understand that just because you have cards and can practically buy any thing in a breeze doesn't mean you no longer have to create a budget. A budget is always necessary especially when managing a household. It helps ensure that everyone's needs are covered for comfortable living. So, whenever there's an opportunity to cutback the expenses, take it. Downgrade some services or lessen dining out in a week. These things could significantly help minimize debt.

Track your expenses - Make a list of all your committed expenses (mortgage, insurance, utilities, etc.) as well as variable expenses such as travel, restaurant meals, entertainment and the likes. They can give you an idea of how much you need in a month as a budget foundation.

Try to negotiate for your rates - Perhaps the fastest way to save on your plastic bill is to negotiate for a lower rate of interest. One or two percent may not sound a lot but in the talks of credit cards, these are already important figures. Give your issuer a call and politely request a rate cut. If your credit score is good, it may be easier for them to say yes. Of course, this isn't the only factor that the lender takes into consideration. There are other things they put into the equation, but, whatever it is, it wouldn't hurt to give it a shot.

Pay in cash when you can - In a research where subjects were divided and asked to use cash and credit card (one group each), experts concluded that those who paid in cash saved at least 20% of their money. They became more contemplative during the purchases and became less impulsive too. It would be a nice thing to try this scheme to reduce your debt. You won't have to cancel your plastic anyway. You just have to make it less accessible and start paying in cash whenever possible.

Trace your progress - You don't necessarily have to check on your bills ever so often. However, it is best that you track your progress once in a while. Jot down reminders on your calendar and compare starting balances every month or so. This can help figure out the effective and not-so effective steps you have taken to cut back debt.

These are some of the smart tips you should follow to curb debts on your credit cards. Being mindful of them will not make your balance disappear overnight, but they can definitely bring dramatic improvements on your finances.

Keywords: credit cards

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