So you have built up a lot of credit card debt and now you are hoping that you are going to be able to get a free credit card debt reduction. Of course the last thing that you can afford to do here is spend any more money, so dealing with your credit card debt without spending any money is really what your goal should be here.
To do a free credit card reduction there are a few different steps that you are going to need to take, and really you are going to be needing to take a huge step here and make a modification in the way that you budget and do all your planning here. If you really want to make a difference in your life, so that you are not only dealing with the credit card debt that you have now, but also ensuring that you are not going to get back in the same hole in the future, then you are going to need to get your free credit card reduction the right way.
How to do it
First you want to take a really close look at just where all your money went. It is definitely much easier to spend money on a credit card and get caught behind because it is basically like using money that you don’t even have. There are some occasions on which you would need to use a credit card such as if you were to rent a car for a day, but the problem is that most people end up maxing out their card on unnecessary things, like trips to the corner store and for gas.
You should really be planning these sorts of things into your regular budget instead of relying on your credit card which has an interest rate, to afford them.
Now that you have done this, for your free credit card reduction you are going to want to find some credit card debt reduction software that you can download for free. This is going to help you with your budgeting and show you different ideas of where you could be putting money away or putting money towards your card to pay it off.
There are a lot of great free credit card reduction calculators and other tools for Excel that you can find, and which are really going to make this whole process as easy on you as possible.