If you are prone to spending on your credit card with complete disregard to paying it off, then remaining debt free will be a constant struggle for you. But if you have been brave enough to struggle back from the brink and regain control, then the chance still exists that you can fall back into the credit card trap - and wind up where you’ve just come from. So here is an excellent hint on how to avoid the downward spiral again, and keep your head above water – with a view to actually saving some hard earned cash for your future and avoiding credit card debt settlement companies.

Freeze your credit cards. Grab a container and half fill with water, then place your credit card/s into it and top it up with water. When you want something and you’re inclined to pay for it using credit, you won’t have your cards with you, and you’ll have to wait until the water defrosts to use your cards. In the mean time, you can have a think as to whether you actually need the item or not.

Credit card debt help need not be a big issue. By taking some simple steps you can wean yourself off the credit habit, and learn to save for things you really want or need.