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If your answer is “Having one card totally paid off,” then throw as much money as you can toward the card with the lowest balance first, says Curtis Arnold, the founder of Card Ratings.com, a credit-card–comparison site.
(Yes, do this even if you need to pay only the minimum on your other cards in the meantime.) If your answer is “Boosting my credit score,” then tackle the card with the highest utilization rate (that’s your balance divided by the card’s limit).
But regardless of the cause, ridding yourself of that balance should be your top financial priority. So give yourself a boost of instant gratification right from the start, says Mary Ann Campbell, a certified financial planner in Little Rock, Arkansas.
“You need an action plan to help you work at reducing and eventually eliminating what you owe,” says Gail Cunningham, a spokesperson for the National Foundation for Credit Counseling, a nonprofit organization. Ask yourself: What short-term financial goal will make me feel as though I’m making meaningful progress on debt reduction?
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What an enticing idea: Pay a small amount and you’re off the hook for the whole bill—for a while, anyway.
Alas, as the more than 45 percent of Americans who carry a balance every month know, that rotating charge usually comes back to bite you.
You may have had a very good reason for running up high-interest debt: Maybe you had to make some unexpected big-ticket purchases or lost a job or endured an illness. If you’re carrying balances on multiple cards, it’s a long slog to wipe out those debts.“Since your score takes a hit if you use more than 20 percent of your available balance, bringing the utilization rate down just 20 percent could significantly increase your score,” says Arnold. Often a simple phone call to the issuer is all it takes to get a reduced rate—provided that you have good credit (a score of 730 or higher) and you are a long-term customer who makes payments on time.And if your answer is “Paying less in interest,” then the tried-and-true method is to pay off the card that has the highest interest rate first. You could get a percentage point or two shaved off, which can add up to hundreds of dollars saved annually. It’s tempting to move a balance from a card with a high interest rate to a card with a substantially lower one (find one at Bankrate.com).So, we thought we’d put together a simple list of high-quality, and completely free, genealogy websites to help you expand your research without spending a single penny.
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