Do not load your cards any more

Actively fight the temptation.

Most often you're buying something you don't actually NEED

The system has made it very easy to just swipe the card ... and buy. But is that item then really yours? No, not really. Ultimately, you owe that much MORE money to the credit card company.

And it adds up to EVEN MORE, if you don't pay off the card balance in full each month, since the interest will keep compounding.

Step#1 in bringing down your balances - Do not load your cards any more

Use them only for convenience (e.g. gas fill-ups), and then make sure to immediately pay off that amount to the card as soon as you come home.

Your card balances should come down with each statement, NEVER go up.

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