If you want to get out of debt the best place to start is with your credit cards. Credit card debt is perhaps the largest reason why so many of us go into the hole every day of the year. We have begun to use our credit for everything from gas to food to very expensive toys and distraction. The high prices that accompany using our checking debit cards have caused most of us to start using our credit cards instead. The downside to this is that the interest rates alone can force the average person or family to eventually have to rely on bankruptcy. However bad this sounds, there are ways that you can avoid the credit card debt trap so that you can exercise better debt management.

If you want to get out of debt today you can you can keep your credit cards to a limited number. Why would you feel the need to have more than one credit card in the first place? Most of the people who have mounting credit card debts are having this problem because they have too many cards in the first place. If you want to have a card that you can use everywhere, try just having a Visa, MasterCard, or American express card which are all used everywhere. Then get rid of the ones that you were saving for an emergency shopping experience.

Another way to reduce your debt is to can avoid making any purchases with your credit during peak buying seasons such as Christmas. Credit card companies charge you more interest during these peak seasons because they know that everyone is buying more items with their credit cards. Most of these companies will not make a point to tell you this, but they make a mint off of us at these times and it is a temptation that few of us can resist.

Need some free help? You can contact one of our Christian counselors using the form on the right for some free help and advice. They will help you to get out of debt and lower your payments today.