It’s definitely not easy for me — a working mom loaded with $13,942 and earning less than $1,000 per month to pay off credit card debts. To be exact, a working-from-home mom who is making money online from Google AdSense, Amazon Associates Program and ClickBank.

However, I believe that when there is a will, there is a way. I just need to work a little harder to increase my income and cut down a lot more on expenses and spending to reduce credit card debts, there is possibility that I can enjoy debt free living in 3 to 5 years’ time.

There are a few Debt Reduction Tips that I have been using to reduce or pay off some of my credit card debts. They are simple, yet practical debt reduction tips that everybody can use to pay off debts.

Having reduced my credit card debts from $20,321 to $13,942 in the course of one year, I can share with you my secrets of reducing credit card debts — Discipline, Determination and Persistence. No doubt, the debt reduction tips and debt elimination methods work. But if you have no discipline, determination and persistence, you will find yourself falling into the debt hole again, and again.

Don’t give up too soon. Persist and persist, and you will see your debts drop bit by bit. People who lament that they will never pay off credit card debts or the debt reduction tips or methods don’t work have one thing in common — giving up too soon. Why do they give up so soon? No Discipline, No Determination, No Persistence.

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