Here are some tips I've incorporated into my debt repayment plan:1. Transfer Balances but cut up old card.2. Pay bills on line and pay as much as possible several times a month. As extra money becomes available during the month, more can be paid to accounts electronically.3. Set up credit cards on autopay for minimum balance so you don't incur late charges and then send an extra check, or pay online, additional monies.4. Get Quicken or similar software and track your monies in and monies out one month in advance. Regular salary deposits and regularly occurring bills can be budgeted for a month ahead giving you a forward look on you money rather than always looking back at where it went. This can also help plan how much you may be able to pay towards credit cards.5. Direct deposit, direct deposit, direct deposit. This eleminates some temptation to spend.
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