Do you have a goal of paying off credit card debt? One of the best things you can do to reach financial freedom is to pay off debt. With the way of the economy it is easy to find yourself drowning in credit card debt. Something that is a well known fact is to keep all your credit card balances under 30% of your credit limit. One way to accomplish this is to track your credit card balances and make all your payments on time and to pay a few more dollars than what is due for that month. track what payments you make - track balances - track due dates - track when you make payments