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Easy Ways To Pay Off Credit Card Debt
by Chris Malone,posted Dec 10 2012 5:11AM
Yes, you did read the headline correctly, 5 easy ways to pay off credit card debt. It sounds like an oxymoron but simple sacrifices now can really help you pay off those balances.
Save On Utility Bills
By reducing your thermostat by at least three degrees, you can save up to 20% on your home energy bills. Turn off all lights and appliances when they're not in use, take shorter showers and wash only full loads of dishes and dirty clothes to save even more money. Also unplug electronics not in ruse. Although your coffee pot, microwave and computer are turned off, they are still using electricity.
Believe it or not, those who partake in extreme couponing can save upward of 80% per grocery bill. Buy an extra copy or two of the Sunday paper to increase the amount of coupons you can collect. Then use them when your local grocer features a double coupon offer and increase your savings. Be sure to organize your coupons by expiration date to ensure you use them before they expire.
Cut Back On Monthly Bills
There are multiple ways to trim your monthly bills. First, examine your cellphone bill, and swap your unlimited plan for an allotment of monthly minutes close to your actual usage. Cut back on your TV bill by reducing your channel package, and eliminate paid movie services. If you like to watch movies, subscribe to an affordable service such as Hulu Plus, Amazon Prime, or Netflix instead. Reduce your Internet connection speed, and consider dropping your home telephone for a service such as MagicJack.
Save On Purchases
Sign up for daily deal websites such as Get My Perks and Groupon. Monitor these sites for deals on products or services you actually need, refraining from frivolous purchases regardless of how good the deal is. Remember to redeem the deals you buy before they expire – otherwise it's simply wasted money.
Instead of scrolling through Facebook or watching TV, make some extra money in your spare time. Fill out online surveys to make extra cash at a website such as Pinecone Research, or gather up all the objects around the house that you no longer want or need and sell them via eBay or Amazon.
You can even start an actual side business. Identify one of your key talents, figure out a way to make money from it, and work hard to make it happen. Not only can you pay off your credit card debts, it may develop into a full-time gig for you.
While you are working to pay off your credit card debts, understand that any sacrifices you make will not last your entire life. You just need to cut back until your debts are paid off. Once you accomplished your goal, you will have plenty of extra money to spend as you wish.