Best Tips to Pay Off Credit Cards Fast and Live Debt-free

I have recently paid off $20,000 worth of credit card debt and $8,000 in medical bills. Some of the debt was several years old. Here's are my best tips for paying off credit card debt, avoiding debt in the future and living without credit cards.

Consolidate credit card debt. If you can, take out a new card, with lower interest and have all your balances transferred to one card. It's easy to manage fewer cards. Do the math and get the best deal on balance transfers. For more ideas, read on at  Best Tips to Pay Off Credit Cards Fast and Live Debt-Free 

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Freelance writer, Top 100 Yahoo! Voices, Yahoo! News, Shine, Michigan, Detroit), blogger, teacher, mom of 4, happily married 25 years. Graduated GVSU 1986, psychology/general education and special education. continuing ed up to present. Certified MI teacher. Writing Michigan history mystery, children's Gothic fantasy. Areas of expertise: education, relationships, mental health, nutrition, history, world cultures. Passions: faith, Catholic church, sustainable living, interfaith initiatives, living simply that others might simply live. Working on MA in EI education. 

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