No. of Recommendations: 0
DO NOT borrow against your retirement! You'll lose all the interest you could be earning on it!

Instead, reduce your expenses, increase your income, or do both at the same time to reduce the debt. A part-time job is seriously easy to find during the holiday season, and could wipe out a Credit Card or two with the money you earn.

And, reducing your expenses isn't that hard either, although it takes some getting used to. Go to a free internet service (Juno, etc.), or stay after work and use the computers like I do. :) Also, take your phone line down to the minimum (no caller ID, or call waiting!), and start brown bagging your lunch once or twice a week. Put every penny you save towards the CC debt, and it'll be gone in no time!

Incedentally, if you provide the balances and interest rates charged on the cards, we'll be able to give you specific advice on how to go about it the fastest way.

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