Global Urban Symposium

They come like clockwork every month. Pages and pages of paper that tell you how hard you have to work.  These are reminders of why you still have not resigned even though you hate your boss. Bills never stop coming and there are bills, like credit card bills, that get bigger even if you have not used your plastic in a while.

But have faith. There is a way to rid yourself of credit card bills. You just need patience and the ability to tighten the belt. First, have a realistic assessment of how big your credit card bill is. Yes, you did pay that much for that pair of jeans. You may not even remember purchasing some of the items in your bill but yes, it’s there.

After reeling from that big number, sit and create a budget that will help you pay the debt and stay out of that debt. Keep in mind that you are making a budget that totally stops your reliance on credit cards. It is cash only. Repeat this to yourself several times a day.

The next step is to cut your spending. Look for ways to lower your expenses. Maybe there are times you can walk instead of drive. Take a look at your fridge too and see which foods just go stale then you can buy less of those. Lowering your expenses will free up money that you can then use to pay your bills. Now you’re on your way to getting less of those pages every month.

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