Credit card debt is a massive pain, and during the holidays it can feel especially heavy. But getting that $0 balance isn’t impossible, and getting it might be the best holiday gift you can give yourself. Here are a few steps to try and do so.
- Set a budget and stick to it.
- Negotiate to lower payments.
- Find new credit cards with lower interest rates.
- Keep an eye out for fees.
- Limit gift-giving.
Image via CreditReady.