Help me pay off my credit card

Following the advice from this article written by me a basic person, can help guide you on your path to an improved credit history.

I'm not sure about you but I've seen a growing trend. The money management, debt reduction arena is growing enormously with more people getting on top of bad credit with more people saying help me pay off my credit card. Then on the flip side the instant approval for credit cards seems to have drastically reduced. There is also a wide array of Debt reduction Solutions appearing at the same time.

I used some if not all of the tips here and more to help me pay off my credit card. Because You don't Have to, though many do, live With bad credit forever. Especially with the state today's economy is in, there are more and more people in desperate need of a much improved credit credit score. As the economy worsens, more people will have to worry about credit repair from identity theft or reckless spending.

Whether your credit score needs just a bit of tweaking, fixing or a lot, you'll be able to sooner rather than later get your credit score squared away following these simple tips. I know this may sound strange but debt reduction 1 dollar at a time is the best way to go, unless you win the lottery of course.

I got a copy of my credit report which is your first step in finding and fixing errors and deficiencies. If like me you find there are mistakes, you can challenge the companies to have them removed. I did this only recently with 2 of the biggest companies. One was out by more than $7000 to my shock, they actually refunded this to the account after the heavy weights at the government stepped in for me.

Pay my debt quicker
★██ Try out these tips for 12 months sticking to them as rigidly as you can. You should then find you have a few thousand dollars saved up. Here's an idea ★ YOU could thank me by sending 5 percent to my paypal account ausisit at gmail dot com then go on a spending spree with half leaving the other half in term deposit for next year

Our TOP 5 debt reduction pointers to help with your efforts

1. Goals - Set easy to follow and change credit goals. Meaning make them adjustable to your needs, not your wants. Like around Christmas you may need to pay the electricity bill but want the new Wii. What does the smart you do? You put $20-40 a week away for 13 weeks before the bill is due to be read. However the dummy who we won't name went and bought the new Wii and singstar game.

They would have been better off getting the exercise board pack and saving $1500 off the 3 gym memberships not to metion the late fee and deposit of $230 to get the power back on so they can play on the Wii... DOH.

2. Eating out on the town or even lucnh costs you often dearly. So say you spend $10-15 a day with average being $12 for lunch or a meal, plus $5 for a coffee. Then you eat out or have takeaway 3 times a week costing say $30 each. That adds up to say $170 because you felt sick one day and got no coffee.

Your total saving would be $8500. Now Pick one day a week to treat yourself to lunch so that is $600 for the year plus and treat yourself to 13 takeaways for the 13 months of the year say $400. OK you are now left with $7500

3. Groceries - I have lost count of and stunned at how many people I have seen who have developed a mental shopping condition. I call it BBBS or Brand Burnt Brain Syndrome for short. I am not going to name anyone here or speak ill of the dead but... a number of people in my family have even contracted this disease. I actually ran a number of tests each time I visit.

I will actually either make something or take something with me that is made solely from non branded products or old out of date products. MIND YOU I never put their life in jeopardy I alwways try the food first. After they devour it they turn to me and say something like.

What brand was that or that must have cost a lot how much can I give you for it? This will save around $40-60 a week, say $2500 for the year.

4. Clothing - I buy good sturdy clothes no flimsy stuff, usually rugger or bonds or the like. I for example buy 5 sets of clothes for home use, you know work round the yard etc. I wash these depending on how sweaty I get but usually once a fortnight. Now this seem like I get stinky, but not really. Hang on what's that smell? Oh I forgot to put deodorant on, back in a second.

OK the other thing I do with clothes is go to thrift shops or op shops to get my sturdy clothes at a fraction of the price. This would probably save me around $1000-3000 average $2000 a year. You would probably be more right?

5. Shopping - shopping in bulk for almost anything you can buy in bulk is usually best. A little trick I figured out is you have a god given device in your head to calculate the cost of things. Use this or a calculator to see which is better. Buying the name brand in bulk say 5 kilo of Vita brits for $35 or no name or savings brand wheat biscuits 5x 1.1 kilo giving 5.5 kilo for $14 I would say grab the savings brand and here is $20 for the bank account 3 times a year times 2 people so $240 a year saving.

That adds up to around a massive $12,200 IF YOU could do this for 10 (ten) years that would be around say $122,000 not to mention interest made on it. CAN you say debt paid off and Kaching.

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