Here’s why you should start paying off debt now — and how to get started. investinyou (In partnership with acorns.)
If you have good credit, consider transferring your high-interest debt to a zero-balance credit card. Many are offering up to about 21 months interest-free, LendingTree's Schulz said.
Just be sure to pay off the balance and not add more to it. Also understand any fees, deadlines and other fine-print details before you sign up. For instance, there is often a one-time fee for each balance transfer, around 3% to 5% of the balance.Not many people ask their credit card company to lower their rate, yet it often works.
"It is such a competitive marketplace today that there is a really good chance, especially if you have decent credit, that they will work with you to some degree," he said. You can also try to negotiate your bills, everything from rent — depending on where you live — to your cable, phone and car insurance, Victoria said.
Along the same lines, if feasible, consider asking for a raise at work. Taking on side work can also help expand your income, as can selling any items you may have sitting around the house.Delete your credit card information off of your apps and computer, Victoria suggests. Then, put your card on ice — literally. Store it in a bag filled with ice and put it in the freezer, she said."It helps prevent you from self-sabotage and puts some time between you and the decision to buy.
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