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The Everlasting Christmas

If you enter the Christmas shopping season with credit card debt, you’ll want to use our credit card payment calculator to determine how quickly you can pay off that balance. If you’re in debt and adding to it, you’re far from alone. According to a recent Time magazine article, we’re told:

“Our collective exercise in austerity appears to be over. Americans are adding to their credit-card balances again, and experts warn more of us are likely to get in over our heads this year.”

In fact, Nerdwallet.com tells us that we owe nearly $900 billion in credit card debt, with the average household owing between $12,000 to $14,000. This a real burden to some families who struggle to make their payments each year. If circumstances have you making only minimal monthly payments, you’re in what is called the credit card debt trap.

If you check out the credit card payoff calculator on our website, Half A Payment™, you’ll find a handy credit card payoff calculator that will show you how long it will take to payoff you’re your existing debt. Many people are surprised when they learn that they will still be paying for the presents they purchase for their grade school children when they enter college if they pay only a monthly minimum amount on their cards. The reason for that problem is the amount of interest that comes out of every minimum payment.

We provide a payoff calculator so that you can see how two simple concepts can save you hundreds or thousands of dollars in interest. Our simple credit card payment calculator also illustrates the number of months or years you can eliminate from your debt payments. You can use our calculators and concepts on any type of debt, including mortgages and auto loans. In each case the are real opportunities for savings.

We are excited to help motivate people with our payoff calculator to use these two simple concepts:

• Make half your payment twice a month
• Pay a little bit more with each payment you make

Our easy to use credit card payment calculator asks you to put in just a few simple items of information. You’ll be amazed at what it shows you. You can even use the credit card payoff calculator to run different assumptions to show just how much difference these simple steps make.

The secret is in the fact the more you pay down your outstanding balance, the less the credit cards can charge in interest. Instead of working hard to pay mainly interest every month, you can use a little extra to substantially reduce your debt burden. We find people get really excited about the chance to eliminate their debt and save so much in interest when they see the results of our payoff calculator.

The savings compound each month and put substantial money back into your pockets. Visit us today and use the Half A Payment™ payoff calculator to make your Christmas all the merrier.

Click here for more information on Half A Payment™