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Reducing large debts can seem a daunting proposition, but with a little forward planning and prioritising it is possible to save considerable amounts. There are many ways to effectively reduce debt without resorting to debt consolidation companies.

When tackling the problem of reducing debt it is vital to know exactly how much is owed to which creditors and the different rates of interest. The most efficient way to reduce debt is to pay off high interest debts first.

How to Reduce Credit Card Debt

Many people owe money on more than one credit card. If this is the case it is important to prioritise which card the largest amount of money is sent to each month. By paying off the highest interest credit cards first the process of clearing debt is accelerated while interest charges are minimised.

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