How to cut down credit card debt

NOT BE ABLE TO KEEP UP WH >> Nikki: A RECENT STUDY WAS NOT BE ABLE TO KEEP UP WH >> Nikki: A RECENT STUDY WAS PUSH LISHED THAT SAYS FLORIDA IS >> Nikki: A RECENT STUDY WAS PUSH LISHED THAT SAYS FLORIDA IS SECOND IN THE NATION FOR CREDIT PUSH LISHED THAT SAYS FLORIDA IS SECOND IN THE NATION FOR CREDIT CARD EWE USE SECOND IN THE NATION FOR THE CREDIT CARD EWE USE

THE FEES CAN MAGNIFY FINANCIAL CARD EWE USE THE FEES CAN MAGNIFY FINANCIAL WOES IN A HURRY THE FEES CAN MAGNIFY FINANCIAL WOES IN A HURRY FIRST STEP THAT YOU TELL PEOPLE WOES IN A HURRY FIRST STEP THAT YOU TELL PEOPLE WHEN THEY COME TO YOU TO CUT FIRST STEP THAT YOU TELL PEOPLE WHEN THEY COME TO YOU TO CUT BACK ON DEBT

WHEN THEY COME TO YOU TO CUT BACK ON DEBT >> FIRST THING, YOU HAVE TO BACK ON DEBT >> FIRST THING, YOU HAVE TO KNOW WHAT YOU OWE >> FIRST THING, YOU HAVE TO KNOW WHAT YOU OWE YOU NEED TO PULL A CREDIT REPORT KNOW WHAT YOU OWE

YOU NEED TO PULL A CREDIT REPORT FROM ONE OF THE FREE SITES AND YOU NEED TO PULL A CREDIT REPORT FROM ONE OF THE FREE SITES AND FIND OUT WHAT YOU OWE FROM ONE OF THE FREE SITES AND FIND OUT WHAT YOU OWE IF YOU DO NOT KNOW WHAT YOU OWE, FIND OUT WHAT YOU OWE IF YOU DO NOT KNOW WHAT YOU OWE, YOU CAN NOT MAKE A PLAN IF YOU DO NOT KNOW WHAT YOU OWE, YOU CAN NOT MAKE A PLAN

FIND OUT WHAT YOU OWE, LIST ALL YOU CAN NOT MAKE A PLAN FIND OUT WHAT YOU LOVE, LIST ALL YOUR CREDIT CARD BALANCES FIND OUT WHAT YOU LOVE, LIST ALL YOUR CREDIT CARD BALANCES THEN START TO PRIORITIZE YOUR CREDIT CARD BALANCES

THEN START TO PRIORITIZE MY THEORY IS, LET'S GO WITH THE THEN START TO PRIORITIZE MY THEORY IS, LET'S GO WITH THE LOWEST BALANCE FIRST MY THEORY IS, LET'S GO WITH THE LOWEST BALANCE FIRST I KNOW THAT SOUNDS LOWEST BALANCE FIRST

I KNOW THAT SOUNDS COUNTERINTUITIVE, GOAL IF YOU CAN I KNOW THAT SOUNDS COUNTERINTUITIVE, GOAL IF YOU CAN DOUBLE-UP ON THAT ONE, PAY THAT COUNTERINTUITIVE, GO IF YOU CAN DOUBLE-UP ON THAT ONE, PAY THAT OFF, NOW YOU HAVE A CREDIT CARD DOUBLE-UP ON THAT ONE, PAY THAT OFF, NOW YOU HAVE A CREDIT CARD WITH ZERO BALANCE OFF, NOW YOU HAVE A CREDIT CARD WITH ZERO BALANCE IT MAKES YOU FEEL SO ENCOURAGED WITH ZERO BALANCE IT MAKES YOU FEEL SO ENCOURAGED TO CONTINUE IT MAKES YOU FEEL SO ENCOURAGED TO CONTINUE

IF YOU'RE ON A DIET FOR A MONTH TO CONTINUE IF YOU'RE ON A DIET FOR MONTH AND YOU LOSE 1 POUNDS, YOU ARE IF YOU'RE ON A DIET FOR A MONTH AND YOU LOSE 1 POUNDS, YOU ARE NOT GOING TO STAY ON IT AND YOU LOSE 1 POUNDS, YOU ARE NOT GOING TO STAY ON IT YOU WANT TO FEEL ENCOURAGED NOT GOING TO STAY ON IT

YOU WANT TO FEEL ENCOURAGED SO GET THAT PAID OFF AND THEN YOU WANT TO FEEL ENCOURAGED SO GET THAT PAID OFF AND THEN DOUBLE ON THE NEXT CARD SO GET THAT PAID OFF AND THEN DOUBLE ON THE NEXT CARD AND THEN TRIPLE UP

DOUBLE UP ON THE NEXT CARD AND THEN TRIPLE UP THERE IS A THEORY CALLED "THE AND THEN TRIPLE UP THERE IS A THEORY CALLED "THE SNOWBALL EFFECT" THERE IS A THEORY CALLED "THE SNOWBALL EFFECT

" YOU CAN GOOGLE IT SNOWBALL EFFECT "YOU CAN GOOGLE ITTHERE ARE FORMS ONLINE WHERE YOU YOU CAN GOOGLE IT THERE ARE FORMS ONLINE WHERE YOU CAN PLUG IN YOUR BALANCES AND THERE ARE FORMS ONLINE WHERE YOU CAN PLUG IN YOUR BALANCES AND GIVE YOU TO PLAN ON HOW TO PAY CAN PLUG IN YOUR BALANCES AND GIVE YOU A PLAN ON HOW TO PAY THEM OFF IN THE QUICKEST MANNER GIVE YOU A PLAN ON HOW TO PAY THEM OFF IN THE QUICKEST MANNER SO YOU CAN DO THAT THEM OFF IN THE QUICKEST MANNER SO YOU CAN DO THAT

THEN YOU DOUBLE UP AND DOUBLE SO YOU CAN DO THAT THEN YOU DOUBLE UP AND DOUBLE UP THEN YOU DOUBLE UP AND DOUBLE UP AGAIN, I DO NOT REALLY CARE ABOUT UP AGAIN, I DO NOT REALLY CARE ABOUT THE INTEREST RATE BECAUSE I WANT AGAIN, I DO NOT REALLY CARE ABOUT THE INTEREST RATE BECAUSE I WANT YOU TO FEEL LIKE YOU'RE THE INTEREST RATE BECAUSE I WANT YOU TO FEEL LIKE YOU'RE ACCOMPLISHING SOMETHING

YOU TO FEEL LIKE YOU'RE ACCOMPLISHING SOMETHING LET'S LOOK AT – LET'S SEE WHAT ACCOMPLISHING SOMETHING LET'S LOOK AT – LET'S SEE WHAT WE CAN GET TO ZERO BALANCE LET'S LOOK AT – LET'S SEE WHAT WE CAN GET TO ZERO BALANCE FIRST WE CAN GET TO ZERO BALANCE FIRST AND THEN YOU CAN GO FORWARD AND FIRST

AND THEN YOU CAN GO FORWARD AND DOUBLE UP AND THEN YOU CAN GO FORWARD AND DOUBLE UP NOW, IF YOU'RE PAYING PAYMENT DOUBLE UP NOW, IF YOU'RE PAYING ON A PAY ACCOUNT WITH A VERY HIGH NOW, IF YOU'RE PAYING TO PAY ON AN ACCOUNT WITH A VERY HIGH INTEREST RATE, YOU ARE GOING TO ON AN ACCOUNT WITH A VERY HIGH INTEREST RATE, YOU ARE GOING TO SEE THAT PRINCIPLE GO DOWN VERY INTEREST RATE, YOU ARE GOING TO SEE THAT PRINCIPLE GO DOWN VERY SLOWLY AND YOU'LL GET SEE THAT PRINCIPLE GO DOWN VERY SLOWLY AND YOU'LL GET DISCOURAGED SLOWLY AND YOU'LL GET DISCOURAGED

WHEN WE ARE MAKING OUR PLAN MAKE DISCOURAGED WHEN WE ARE MAKING OUR PLAN MAKE A PLAN YOU CAN HANDLE AND IT IS WHEN WE ARE MAKING OUR PLAN MAKE A PLAN YOU CAN HANDLE AND IT IS SUSTAINABLE A PLAN YOU CAN HANDLE AND IT IS SUSTAINABLE THEN GET THOSE TO ZERO SCALES SUSTAINABLE THEN GET THOSE TO ZERO SCALES AND DOUBLE AND TRIPLE UP AS YOU THEN GET THOSE TO ZERO BALANCES AND DOUBLE AND TRIPLE UP AS YOU GO FORWARD

AND DOUBLE AND TRIPLE UP AS YOU GO FORWARD >> Nikki: YOU HAVE TRICKS TO GO FORWARD >> Nikki: YOU HAVE TRICKS TO HELP REDUCE OUR CREDIT AS WELL >> Nikki: YOU HAVE TRICKS TO HELP REDUCE OUR CREDIT AS WELL THOSE FINAL NUMBERS CAN BE HELP REDUCE OUR CREDIT AS WELL

THOSE FINAL NUMBERS CAN BE OVERWHELMING THOSE FINAL NUMBERS CAN BE OVERWHELMING >> THEY CAN OVERWHELMING >> THEY CAN

IF YOU MAKE TO LIST AND SEE WHAT >> THEY CAN IF YOU MAKE A LIST AND SEE WHAT YOU HAVE, IT CAN BE OVERWHELMING, IF YOU MAKE A LIST AND SEE WHAT YOU OWE, IT CAN BE OVERWHELMING, GO TO HAVE TO DO THAT TO GO YOU OWE, IT CAN BE OVERWHELMING, BUT YOU HAVE TO DO THAT TO GO FORWARD PUT YOU HAVE TO DO THAT TO GO FORWARD I ALSO RECOMMEND IF YOU GET ANY FORWARD I ALSO RECOMMENDS IF YOU GET ANY OF THESE CARDS TO ZERO BALANCE, I ALSO RECOMMENDS IF YOU GET ANY OF THESE CARDS TO ZERO SCALE, CALL THE CARD COMPANY AND UP OF THESE CARDS TO ZERO SCALE, CALL THE CARD COMPANY UP AND SAY, "I WANT TO DO A BALANCE CALL THE CARD COMPANY UP AND SAY, "I WANT TO DO A BALANCE TRANSFER

" SAY, "I WANT TO DO BALANCE TRANSFER" IF YOU JUST PAID IT OFF AND THEY TRANSFER "IF YOU JUST PAID IT AND YOUR WANT YOUR BUSINESS BACK MAYBE YOU MAYBE THEY'LL DO IT FOR 0% INTEREST WANT YOUR BUSINESS BACK MAYBE THEY'LL DO IT FOR 0% INTEREST THEN YOU JUST DOUBLE UP AND PAY THEY'LL DO IT FOR 0% INTEREST

THEN YOU JUST DOUBLE UP AND PAY IT DOWN QUICKLY AS YOU KCHL YOU THEN YOU JUST DOUBLE UP AND PAY IT DOWN QUICKLY AS YOU KING YOU ARE GOING TO FEEL THAT FEELING IT DOWN QUICKLY AS YOU KCHL YOU ARE GOING TO FEEL THAT FEELING OF ACCOMPLISHMENT THAT WILL HELP ARE GOING TO FEEL THAT FEELING OF ACCOMPLISHMENT THAT WILL HELP YOUR CREDIT SCORE AS WELL OF ACCOMPLISHMENT THAT WILL HELP YOUR CREDIT SCORE AS WELL BECAUSE YOU ARE REDUCING YOUR CREDIT SCORE AS WELL BECAUSE YOU ARE REDUCING SCALES BECAUSE YOU ARE REDUCING SCALES >> Nikki: ONCE YOU HAVE THE SCALES >> Nikki: ONCE YOU HAVE THE CARDS PAID PAY OFF YOU DO NOT >> Nikki: ONCE YOU HAVE THE CARDS PAID PAY OFF YOU DO NOT WANT TO CLOSE THEM CARDS PAID PAY OFF YOU DO NOT WANT TO CLOSE THEM

>> THE CREDI SCORE CALCULATION WANT TO CLOSE THEM >> THE CREDI SCORE CALCULATION LIKES TO SEE THAT YOU HAVE A LOT >> THE CREDI SCORE CALCULATION LIKES TO SEE THAT YOU HAVE A LOT OF CREDIT AVAILABLE AND ARE NOT LIKES TO SEE THAT YOU HAVE A LOT OF CREDIT AVAILABLE AND ARE NOT USING INGING IT OF CREDIT AVAILABLE AND ARE NOT USING INGING IT THAT TELLS THEM YOU KNOW HOW TO USING INGING IT THAT TELLS THEM YOU KNOW HOW TO MANAGE IT

THAT TELLS THEM YOU KNOW HOW TO MANAGE IT YOU HAVE ZERO BALANCES ON IT MANAGE IF YOU HAVE ZERO SCALES ON YOUR CARD, LEAVE THEM OUT THERE IF YOU HAVE ZERO SCALES ON YOUR CARD, LEAVE THEM OUT THERE IT WILL NOT HURT YOU AND WILL HELP YOUR CARD, LEAVE THEM OUT THERE

IT WILL NOT HURT YOU AND WILL HELP YOUR CREDIT SCORE IN THE LONG IT WILL NOT HURT YOU AND WILL HELP YOUR CREDIT SCORE IN THE LONG RUN YOUR CREDIT SCORE IN THE LONG RUN >> Nikki: IF YOU'D LIKE TO RUN >> Nikki: IF YOU'D LIKE TO PURCHASE CAROL 'S BOOK "BE CREDIT >> Nikki: IF YOU'D LIKE TO PURCHASE CAROL 'S BOOK "BE CREDIT WISE" YOU CAN FIND THE BOOK ON PURCHASE CAROL'S BOOK "BE CREDIT WISE" YOU CAN FIND THE BOOK ON AMAZON