Christmas is almost over and many of us have charged presents onto our charge cards.  I know, we just don’t want to admit that it was tougher this year than last but it’s the truth.

Commit today to making a plan to payoff your credit card debt before you buy anything else.  Not paying 14% or higher in interest is like getting a 14% pay raise.  It is the best thing you can do for you and your family’s future.

Get that first bill after the new year and sit down and make a plan – divide the balance into manageable monthly payments and pay it off in one year or less.  You will be surprised at how good it feels!