Digging Out Of Holiday Debt - Stay Out of Debt

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Now that the post-holiday bills have started creeping in, many people are quaking in their boots at the thought of hefty bills eating away at their bank account.

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If you feel like your debt and interest rates have gotten out of hand, try calling your creditors to renegotiate your interest rates.

If you’ve been able to keep up with your payments and haven’t missed any in the last twelve months, your creditors might be willing to reduce your rates.

Take the time to figure out how to use the avalanche method. This is when you pay off your highest interest card first.

The debt snowball method is a strategy where you pay off debt in order of smallest to largest, gaining momentum as you pay off each remaining balance.

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