photo credit: kainr

The easiest and most efficient way to stop your credit card from increasing is to stop making more!  This may sound obvious, but if everyone followed it no one would be under a mountain of credit card debt.  This is the first step to take to reduce credit card debt.  It may take a lifestyle change, but no one is going to laugh at you because you brought your lunch to work instead of eating at the hot new restaurant down the street.  Seriously, stop using your credit cards if you ever plan on working your way out of debt.  Hide them, put them in the dog’s crate, put them under the Nordic-Trac, they have to be somewhere that you will not be able to access easily for this to work.