The best of credit cards for bad credit
Start using your check book, debit card or paying with cash. Next, examine your budget to determine where you might be able to cut expenses. The most logical area of your budget in which to do this is discretionary items. Stop eating out, going to the salon, paying to have your car washed and purchasing entertainment items you do not need. Take the money you save on those discretionary items and put it toward the balances on your credit cards.