pay off my credit cards

How I did it: Concentrate on paying down highest interest rates first and transferring balances out to lower interest rates for long periods where possible. Don't get stung by transfer fees for short transfers that would represent a similar EAR.I kept a spreadsheet which planned my payments a year in advance (and also now plans my savings!) so each time I got paid I knew exactly how much to put on each card and didn't just pay some off ad-hoc… Read how I did it…

How I did it: I used mostly what I got back from the IRS to pay back my credit cards and some savings. The problem was that the economy took a dump and my credit cards racked up on their own with fees and late charges and what not and all of my credit cards used themselves. I had to file for bankruptcy and now I don't owe any company anything. I think I will get credit later on in other forms but probably not credit cards. I'm going to stick to the old… Read how I did it…

How I did it: I always carried a balance, but until the last year I realized I was going to have to do without if I ever wanted to pay these cards off. I cut my spending to the minimum and avoided trips to the mall. Read how I did it…

How I did it: Investigate.Investigate. Find out what you're paying for. I realized I was paying third party charges on a WFNNB credit card that I had for a service I don't use. It was offered free for a month and the deal was to cancel if you didn't want to stay in their program (monthly credit score access) and I ended up knocked off $12.99 from my bill of a $111.00 bill that I had.Payment arrangements - Call up your credit card companies and hav… Read how I did it…

How I did it: I slimmed down shopping and only picked up absolute necessities to make big payments to the plastic.  Really, that's it.  Every payday i put as much as i didn't have to have for other things.  I just focuses on one card at a time until it was done, beginning with the cards with the highest interest rate. Read how I did it…