The first step to escaping credit card debt is to destroy that little piece of plastic that got you into trouble in the first place. Forget about freezing it or leaving it at home because that just wont work. Believe me, I know. There will come a time when it seems that the only way you can survive is to use the card, and if you havent destroyed it then that is what you will do.

Its easy to kid yourself that youll pay off the balance at the end of the month, but ask yourself this: If you are going to pay it off at the end of the month, cant you just wait till the end of the month and pay cash? The only way to become debt free is NOT to use the card.

Destroying a credit card is a very empowering thing to do. Think of it as one in the eye for those greedy companies who thrive on other peoples misery, because that is exactly what credit card companies do. They dont make money out of people who pay their balance each month, they prefer the ones who pay the minimum amount and the bigger the outstanding balance the better it is for them. Resolve today to fight back and become empowered by destroying your credit card!

But don't think that cutting up the card is the end of the story. Oh no, there are some some fun ways of enjoying the experience too. Before employing any of these methods however, it is important to first cut the card up into several pieces with a pair of scissors (make sure you cut through the card number and the signature strip).

Armed with your freshly cut up credit card you might like to consider: