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Hate to get the mail because of the many bills? Well, take a deep breath and let's see what we can do about your problem. There are many people like you out there some probably with a bigger problem than you have but let's see what we can do to eliminate your problem.

Step 1: Look at the whole picture of your available credit. Ideally you should have only 1 major credit card. If you have more than that, get out the scissors and start cutting them up. Out of sight out of mind. If you have them in your wallet, you will use them. Let's nip the problem in the bud and get rid of the temptation.

Step 2: Make a list of all your credit cards with balances due, payment due date and minimum payment amount. Add up all the minimum balance payment from each credit card and see how it fits into your budget. If you have some wiggle room and have a little extra money to give each month, put the extra funds on the credit card with the highest interest rate. This way you'll be paying off your most expensive credit card first and save money by not paying the highest interest. You MUST make the minimum payment on each card every month. This will continue to keep your credit score intact. If you don't make the minimum payment and/or skip a payment, this will show you as a dead beat and you will incur late charges which will result in a lower credit score.

Step 3: If any of your cards have a rewards program, find out if you can use any of your reward points as part of your payment. Most credit card companies won't do this but it never hurts to ask.

Step 4: Make a budget and stick to it. Pay cash for everything. Do not charge anything and add to your problem. A formalized budget on paper will keep you in line and, hopefully, you won't stray from the plan of eliminating your credit card debt. Learn to control your spending and live on less.

Step 5: Look into adding to your income. Check out temporary jobs and put any income you receive right on your card balances. There are usually temporary jobs available during holidays. Valentines Day and Mothers Day are good times to hire yourself out as a flower delivery person. Florists are always looking for extra help during theses times. If you live in a seasonal area, there are usually extra waiter jobs available or maid jobs in big hotels. And, of course, there are always part-time jobs in retail. Be creative. Think about what you can do and then look around your city and see how you can apply your skills to earn extra money.

If you apply these simple steps to your credit card problem, you will reduce your credit card debt and probably eliminate some stress in your life. A win/win situation.

Daisy Profits writes articles and builds websites on various subjects. She is a jewelry artist and has been a Flight Attendant for 10 years. Daisy lives in Florida with her maltipoo, Sky, in a house she is renovating. You can visit her latest site at with information that you need when you are considering buying pull down stairs or a for small spaces.

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