I used to weight 300 pounds . . . everything I saw I ate, but look at me now . . . GORGEOUS huh?

Same thing with my credit cards . . . everything I saw, I bought and I bought it on credit! So now that I am older and wiser, I have learned a little discipline and you can too.

• Establish a budget and assess your spending habits
  
• Put away your credit cards and don't use them. However, don't cancel them, because if you have a low credit rating, you may have trouble getting new cards
  
• Discuss ways with your family how you can cut costs. Set goals and limits.
  
• Use some of your savings to eliminate some of your debt, which may save you hundreds of dollars in interest
  
• Always pay more than the minimum balance on your credit cards. If you just pay the minimum payment, you will never pay off the balance.
  
• Resolve to eliminate your debt