How to be Credit Card Debt Free?

1. STOP using your credit card. Make sure that you pay your expenses in cash.

2. Write down how much you owe each of your credit card.

3. Make sure that you fully pay the credit card with a smallest outstanding. 

4. Then pay-off the credit card with the next smallest outstanding until you pay off the one with the high outstanding balance.  

Notes:

👍 Avoid paying in minimum amount your monthly credit card dues.

👍 You may opt to make a loan in your SSS or PAG-IBIG personal loan or avail the installment plan of your issuing bank in order to pay-off your credit card outstanding. Having a loan will give you a fixed interest each month which is incorporated in your monthly amortization.

👍 Live within your means.

👍 This is workable with prayer and discipline.

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