Beat Credit Debt with Expert Help

Credit card debt is a heavy load to carry, both in terms of high interest payments, and the stress of being in the red. If you find yourself paying only your minimum balance, or missing payments, then you need to put your finances in order. Help is available; small payments on your credit balances can have you looking at 20 years of interest, great news for your credit card company, but not for you. Never fear, there are steps to take that can reduce your payments and get out of debt faster.

• Control Your Credit Debt
• Reign in Your Cards
• Reduce Spending
• Get in the Clear

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Shop for the lowest rate. If you have multiple cards transfer your balance from your highest interest card to your lowest interest card (careful though, there may be balance transfer fees). By reducing your monthly interest payments you can payoff more of your balance each month, reducing your debt horizon.

Always pay more. If you are only paying your minimum balance each month you literally will never get out of debt. Put off buying non-essentials, live on instant noodles if necessary. If you want to get out of debt you need to maximize the amount you pay down your balance.

Budget, budget, budget. If you have credit card debt it is a sure sign that your finances are not in order. A credit card is a tool for short term lending, this makes it easy to spend more than you earn and if you are carry balances on your cards then you have done just that. Luckily budgeting can be easy using the financial guidance tool called HelloWallet.

Understand your bank account. If you don’t have a clear idea of how much you owe, what the rates on your cards are, or what your debt horizon is, you’ll have serious trouble getting out of the red. HelloWallet automatically collects all your financial information, from checking accounts to credit card debt, and organizes it so you have a clear picture of your finances. Once you understand your debt HelloWallet helps you make payment plans and spending limits.

HelloWallet lets you never again worry about losing track of your credit debt! We send you automatic alerts to new credit risks like your APR changing and will remind you to keep your payment goals. Get a grip on your debt and get the help you need. Sign up now for 60 free days of professional financial guidance!