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Not only will this ensure you are living within your means (and not above your income, which is where credit card debt comes from), but it will also give you a set timeline on when you can expect to get debt free. We’ve created an interactive, budget calculator spreadsheet that will guide you through the process and make the idea of budgeting way less painful.
This will help you stay within your budget and maximize your ability to pay down your debts.
Paying for your purchases with cash instead of credit will help you separate your needs from wants, remain conscious about your spending, and make you think twice before spending money.After paying debts that are on fixed monthly payments (mortgages, vehicle, and term loans), make the minimum payments required on your credit cards with the lowest interest rates and maximize your payments on the credit cards with the highest interest rates.Once a debt is paid, use this extra money to pay down the credit card with next highest interest rate.Some people are motivated by numbers and some are motivated by feeling that they accomplished something and seeing that they are actually making progress. Go with the method that you think will work best for the way you tick.
Once you've paid off a card, cut it up, and cancel the account. Many people regularly contribute to a savings plan, which is great, but consider that this is money that could help you pay down what you owe faster.
We also have lots of other budgeting resources if you prefer other ways of budgeting.