Credit Tips

I don't know if fellow billeaters have credit problems or not, but according to what I have read many of you do. I say "you do" because I have never gotten myself into credit problems yet. Don't plan to either. What follows may help those who find themselves in over their head.
If you are having credit problems such as delinquent debts, bankruptcy, repossessions, judgments, student loans, tax liens, or any other credit issues here are five secrets tips to excellent credit and a debt free life.

1.  Chop Them into Tiny Pieces: Stop using your credit cards and pay with cash.
2.  Get Ahead: Pay more than the monthly minimum. If you can’t, it’s time to cut spending.
3.  Control the Reins: Develop a plan to reduce your total debt.
4.  Get a Deal: Reduce your interest rates, but be careful of the fine print—a credit card with 0% interest could cost you thousands in interest depending on how the credit card is structured.
5.  Work it Off: Get a part-time job in addition to your full time job.