Despite the economic recovery, some people find themselves still struggling with finances, namely credit card debt. For those in Florida who have more than one credit card or rely on them to make ends meet from time to time, credit card debt can be difficult to control or manage. Despite the struggle, following a few tips may be the key to managing this form of debt and moving forward from credit card debt altogether.

One vital tip is to find a way to stop charging at all. While canceling cards is not always a great plan, keeping them from being accessible may be. An accurate budget planned out month to month can help someone plan and track credit card payments. Tracking each dollar and progress toward paying off balances can be an invaluable incentive to continue to pay down debt.

One helpful tip is to transfer balances. If a card is offering a zero percent rate for some time, transferring balances that can be paid off within that timeframe can help to save interest payments. One other tip that can help countless individuals during a time of need is to find alternative ways to earn more money. Increasing cash flow and then applying that increase toward credit card balances is a plan that will lead to a debt free life more quickly.

Everyone’s situation is unique, and the average credit card debt for American families keeps fluctuating. However, with common sense tips, debt can be controlled. For those in Florida who may have tried these tips or who have found their debt is too much to handle, there are other options that may help in the control of debt and movement toward a debt-free life.

Source: U.S. News and World Report, “5 Tips to Liberate Yourself From Credit Card Debt“, Lindsay Konsko, June 30, 2014