Don't celebrate paying off a credit card with more spending

They will bring themselves to the breaking point, watching their credit card balances surge. Then, if a point where they have difficulty paying their bills to reach, they cut back and start living sober for a while until the credit card under control. Then they spend, and the cycle continues.

I've witnessed this with friends and family. I read stories like this from many readers.

The cycle of debt can be a long and painful. It keeps you in the financial closures for all your life, because you are never completely free of that debt payments.

It's time to break.

The best way to do this is not necessarily focus on the minimization of your debt to the absolute smallest dollar as fast as you can. That's right, do not do that.

See also: Top nine ways Internet access can save you money

Instead, focus on the spending habits and routines that you can maintain over a long period. Focus on cutting expenses that you do not find personally important, but make sure not to get your life back to life by finding new patterns to replace.



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