Paying Off Your Credit Cards and Other Bills If you maintain a balance on your credit cards you are probably paying hundreds of dollars a year in interest. This is money that could be put to better use.
There is a simple method of paying off credit cards that doesn't require too much extra money each month. This method is called payment snowballing. While your biggest gain will be from paying off credit cards, you can also use this method to pay off installment loans, your mortgage, medical and other bills.
By snowballing your payment you start paying off credit cards and adding the money you were paying on the paid off credit card to the next one. This is one of the quickest ways to eliminate your credit card debt.
I have developed a simple form to help with this process. At this point you may want to look at a sample payoff schedule at http://www.homemoneyhelp.com/sampleccpayoff.html. You enter the name of the credit card, amount you owe and your actual payment on the form. You can see a printable copy of "Snowballing Your Credit Card Payment Schedule" at http://www.homemoneyhelp.com/ccpayoff.html . You may enter your figures on this form before you print it. It is best to list the credit cards in the order you wish to pay them off.
There are two schools of thought about which way is best. Many experts believe that paying the credit cards with the highest interest first is best. You then go to the credit card with the next highest interest and so on. Personally, I believe people need to see results quickly Details...
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