How to Get a $0 Balance

Credit card debt is a massive pain, and during the holidays it can feel especially heavy. But getting that $0 balance isn’t impossible, and getting it might be the best holiday gift you can give yourself. Here are a few steps to try and do so.

  1. Set a budget and stick to it.
  2. Negotiate to lower payments.
  3. Find new credit cards with lower interest rates.
  4. Keep an eye out for fees.
  5. Limit gift-giving.

Image via CreditReady.