What is the fastest way for me to pay my credit card debt?

Im a college student about to enroll in the fall and im working over the summer and making about $600/month, and have a $2900 credit card debt along with a cell phone bill, and a car insurance bill which totals to about $127/month together...im thinking about getting another part time job where i don't have to work many hours or mainly just a weekend job b/c i want to be able to concentrate on school, what can i do to clear this debt off?

What is the fastest way for me to pay my credit card debt?
Well......what to say....





1) you go to college, so by definition you know how to count





2) you know how much you owe





3) you know how much you earn








what seems to be the difficult part ????
Reply:The first thing you need to do is to make sure you don't add to the debt. Don't use the credit card for new purchases. Cut out any unnecessary expenditures. Pay more than the minimum -- as much as you can afford. Good luck. It can be done.
Reply:It is important that you take steps to get your debt under control before you end up in serious financial trouble.





Find a Way to Get Better Rates





One way that can help you get rid of the credit card debt that you are in is to find a way that you can get better rates on your credit cards. You can do this by trying to find a credit card that has lower rates than your current cards, and then make transfers over to the card with the lower interest rate.





Another way you may be able to get better rates is to try to negotiate with the company or have a credit counselor negotiate with the company to get you better rates on your card. While you may not realize it, having a lower rate can actually save you hundreds of dollars and can help you get out of credit card debt much faster.





Eliminate Debts One By One





If you are wondering how to eliminate credit card debt, another way that can be a great help is to start working methodically to eliminate your debts one by one. You can choose either to pay extra on your card with the lowest amount of debt or you may want to pay more on the card with the highest interest rate, but whichever way you choose will be a great way to help you get out of debt much faster.





Debt Consolidation





If you are serious about getting rid of your credit card debt once and for all, you may want to work on getting a debt consolidation loan. This method of elimination will help give you lower interest rates, a regular payment schedule, and you will only have one easy payment to make each month. This is a very easy and effective way to eliminate the credit card debt that has been causing you so much trouble. Read more from: http://www.credit-card-gallery.com/artic...
Reply:always pay more than the minimum payment...think of one thing you can give up in your daily life (starbucks, eating out, getting your nails done if you're female, etc.) and use that money toward your credit card payment
Reply:Cut out any un needed expenses


such as eating out


Movies


Fun stuff that cost money





Pay 5x the amount on your Credit Card mininum monthly payment so if your min is 30.00 a month I would be paying at least 150.00 on it. If you get a secong job, then apply all that money from your second job on your credit card.





MAKE SURE NOT TO USE THIS CARD, unless you are buying gas or groceries etc. So the money you would buy gas or food with take that money and put it directly back on your card. These purchases must be paid on top of your monthly payment. Otherwise your defeating the purpose of trying to pay the card off. By doing this will help show you are being responsible with the card and you will build your credit up.





Treat your credit card like a debit card, the money you spend on it should be money you have in your bank account ready to pay the card off in 30 days. Like I said by doing this you are building your score without building debt.





So by doing this in a few years when your older and have a secure job you will be able to go to the bank and get a mortgage with hardly no money down and the lowest interest rate possible---%26gt;which menas you are investing and also saving money.





People who rack up credit cards and never pay them off, end up being poor. They end up over extending themselves and set themselves up for failure in life.





Oh and the GOLDEN RULE-


DO NOT EVER GO PAST 30 DAYS LATE ON MAKING YOUR PAYMENTS


WHEN YOU CHARGE SOMETHING MAKE SURE YOU PAY IT OFF IN 30 DAYS WHEN THATCREDIT CARD BILL IS DUE AND YOULL NEVER HAVE A PROBLEM WITH CREDIT AGAIN





Treat your credit like Gold DONT ABUSE IT





I know this becauise I just got done paying $40,000 in credit card off. It took 6 years and I lost everything I charged because I sold it all to help pay this debt off-


Credit score ruined, I cant get a mortgage with a desent rate without thousands of dollars in down payment





I hard a hard time even getting a rental





I got denied student loans





and I lost 5 yrs of my life struggling to pay this debt off for things I dont even own anymore, when I could have just saved for the things I desired -





Good Luck








THIS WILL DESTROY YOUR CREDIT SCORE FAST
Reply:you need to pay the amount due and another 20 bucks or whatever you can spare, that extera amount will pay off the principle, you will pay it of faster.
Reply:Don't add any more debt to this card, that's the BEST thing you can do. Fast is not the issue, efficiency is. But if you can throw 150 a month against this debt it should go away pretty quick. The key is consistency and not adding more debt to the card. You can probably cut costs, most people waste huge money and don't even know it. Live poor, no pizza's, no eating out, no bars etc.
Reply:the fastest way would be to pay back as much money as you can, can you do that.


Also, if you still have any items of value then sell them.

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