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  • Tips on How to Decrease Credit Card Debt (Part 1)

    These tips can help you decrease your credit card debt, which can be vital to helping you get out of the hole and improve your overall financial standing.

    These tips can help you decrease your credit card debt, which can be vital to helping you get out of the hole and improve your overall financial standing.

    Credit card debt can easily get out of control, particularly if your credit cards have high interest rates or you rely on them to make day-to-day purchases. Because credit card debt can be among the top reasons that people ultimately end up needing to file for bankruptcy, discharge their debt and achieve a financial fresh start, knowing what you can do to decrease your credit card debt may be able to help you get out of the hole and get a better hold on your finances.

    Here are some tips on how to decrease credit card debt:

    • Curtain unnecessary purchases – This involves creating a realistic budget that outlines your income versus your expenses each month. Be sure to distinguish between what is an essential expense – such as rent, utilities, car payments, food, etc. – versus what is a less necessary expense – such as going to the movies or out to dinner. Do your best to reduce, if not entirely eliminate, any unnecessary expenses so that you can use this extra money to pay down your credit card bills.
    • Try to pay with cash – Instead of relying on your credit cards to make all of the purchases you need to make day to day, consider using cash. Some people find it easier to keep track of what they spend – and to not spend more than they plan on spending – when they use cash to pay for their day-to-day expenses instead of using credit cards.

    If you are struggling with debt and are looking for a financial fresh start, contact the trusted Colorado bankruptcy lawyers at The Law Office of Andrew McKenna. For more than 20 years, we have been successfully overseeing our Clients’ bankruptcy cases so they can resolve their financial issues as beneficially as possible. Our comprehensive legal knowledge coupled with our vast experience allows us to consistently and efficiently help our Clients achieve the best possible resolutions to their financial matters. For an evaluation of your case and expert advice regarding how to move forward, call us at (303) 730-8819.

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    North Metro Denver Office – 11154 Huron
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