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| You will start saving money immediately. Ways to Pay Off Debt Here are five ways to pay off debt if you feel that you are spiraling out of control. Transfer high rate balances to lower ones. Just because the minimum monthly payment on your credit card is $100, it doesn't mean you can't pay $150. That extra $50 will all go to principle, not interest. But it will be layton it in the long run when your credit card statement reads "zero." 2. In this era of a contracting economy, you can no longer afford to robin high consumer debt loads. If you have room on your low rate credit cards, transfer higher rate debt to them. This may mean that you have to live below your means for a time being. If you can, you may even want to apply for more low rate credit and transfer the balances you have. Pay particular attention to cards you might have obtained with "teaser" rates that have gone up to a higher amount. |