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Make a plan to reduce your credit card debt this year

The New Year is here, which means a lot of people are hoping to get a fresh start on many different aspects of their lives. Whether it’s a new exercise program in hopes of getting physically fit or a new economic path in hopes of being financially fit, a lot of people in the Tampa area, and elsewhere, are making New Year’s resolutions.

One of the biggest resolutions at the beginning of a new year is to get out of debt, which almost always includes credit card debt. Getting out of debt is often difficult, but there are some tips to remember this New Year if one wants to start the process right in 2014. First, one should make sure to know exactly what one’s credit card debt is. Another good idea is to try to get a lower interest rate from one’s creditors.

Next, a person should always try to pay off his or her highest APR credit card first. If it all possible one should pay more than the minimum requirement every time. In that same vein, one should always pay his her credit bills on time, without fail. Lastly, avoid making any new purchases on a credit card that already has a balance, unless it’s an emergency.

If a person is looking to get out of debt this year then remembering these tips and putting them into place can be a great way to get started. However, for those who are feeling overwhelmed by their credit card and other types of debt, getting the help of an experienced bankruptcy attorney may be another good idea to help get their financial health back in order.

Source: The Street, “10 tips for reducing credit card debt in 2014,” Bill Hardekopf, Dec. 30, 2013

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