There are times in life when you might run short of cash to meet your basic needs such as food and utilities.
* In such situations, your credit card comes handy.
* Such a situation generally arises due to job loss or pay cut during economic recession. In case you are currently sitting on a credit card debt pile, here are three ways you can employ to get rid of it by as soon as end of the year.
* Time to tighten the purse strings and follow a strict budget
* Heard of money envelope system?
* Extra monthly payment
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