Eliminate Debt, Avoid It

The easiest way to eliminate debt is to avoid it. It is also the hardest way. If you have a large amount of debt you already know that you spent more than you could afford. If you do not have a large amount of debt, or very little, stay the course. You can eliminate credit debt by tearing up credit cards and closing the account while still paying off the balance. Many people do not realize you can close a credit card account and still make the same payments at the same rates. Go close an account you really hate and keep paying it off.