In a tight economy and after the holiday season, you might be feeling a little bit of a credit crunch when it comes to your wallet.
Too often you might be tempted to spend money you don't have using a credit card, and finding yourself in debt that seems to be almost uncontrollable.
How do you get out of debt? Well, a Christian debt counseling service is a great start to get you back on your feet, as are the next few tips available for those who might be struggling.
Create a realistic budget for your monthly spending habits.
The most effective way to do this is to keep a tight watch over where your money goes over the course of a month and keep those expenses in a log book.
At the end of the month, you'll have a better picture at where your money is going, and where it needs to be allocated in your budget.
Don't create a budget that is too tight, it will most likely be ruined by the end of the month, leaving you feeling discouraged.
Pay off your credit cards one at a time.
It's a good idea to start with whichever one has the highest interest rate and is therefore costing you the most to carry.
Even if you just pay it off bit by bit, you'll have a sense of accomplishment that will carry you through.
See your Christian debt counseling service for more help with credit cards and interest rates.
Use cash.
Cut up those credit cards so you can't use them anymore and pay with cash all of the time so you can physically see the money you are spending.
Often that is enough to turn your spending around.