Something really hard to get out of is credit card debt
. Paying off credit cards is usually the best and safest bet, but sometimes people forget or just don't have the money. In order to build a better credit score, paying it off right away is the best. But if it is already low, then there are things you can do to change it!
Having a piece of paper in front of you with all your debt written on it can help a ton. This way you can physically see what you still have to pay and knock them off one by one. And even though this may sound dumb, paying off your credit card with another credit card is not a great idea.
You can use the snowball effect to pay off debt. This effective technique has you pay off the smallest debt first and then move to the next largest and the next until it is finally paid off. It is nice to be able to look back at that sheet and see the debt slowly dwindle away. It says take 10% of your earnings and give it to your debt. The other 90% pay bills or do with it as you will.
There is also the basic and old school tradition of cutting up your credit cars or freezing them in a brick of ice. This is a very effective way to prevent you from using any of your credit cards. You can always get a new one when you debt is gone and you are financially stable again.
Even though this might not be what you want to do, getting a part time job either somewhere out side or in your home, that could really help financially. This brings a little extra cash to your pocket. You can use this to help pay off the debt or you can use it to get the essentials like gas and food. Either one works. Having a part time work from home job might be the best bet because you can make your own hours and do everything on your own time.
The last option is to file for bankruptcy. This is a last resort option because it will effect your credit for upwards of 10 years. This basically a slate cleaning maneuver. It gets rid of your debt and you get to start over.
If you are having a problem with credit card debt, don't ignore the calls. Give them a call and try to work out a settlement. Then work on lowering the debt little by little. The process may be long, but the end result is worth it.