Latest responses to “10 Steps to Pay Off Debt with a Zero Balance Transfer Credit Card” Copyright 2013, MoneyBlueBook.com 393150 2010-09-28T03:39:20-07:00 james@creditcardresearcher.com.au The tips are good to organize and consolidate your debt. But I have examples of people who are simply not able to do this. They are either afraid to calculate and see through facts or simply very low in organizing their spending patterns. 393160 2010-08-08T12:08:25-07:00 Manjula The best place in the world for you to learn how to cut your bills and save money every day. Thrift Culture Now: Learn To Save Money It's Time to Take Control! There's never been a better moment to learn how to use your money and time more wisely. http://www.thriftculturenow.com/thrifty-tips 393110 2010-07-13T10:32:55-07:00 Doug L. I know some people who are afraid to consolidate their debt, seeing it as some sort of failure. I think it is possible to pay off debt on multiple cards, it just takes more discipline, and you have to remember to pay off the highest interest rates first! 393120 2010-06-27T22:19:12-07:00 Chandler AZ CPA Take advantage of 0% whenever you can. Just make sure to pay it off when interest kicks in. However, it's very difficult for people to follow this advice. It's just too easy to let the balance accrue. 393170 2010-06-10T09:53:24-07:00 Accounting Leads I think that 0% cards are great, but it is a short term solution. Some people will never lower their credit card principal balances and should just cut up the cards and go cash. Just make sure that you know what you are getting into. 393130 2010-05-29T18:42:05-07:00 Accountant Directory If you are going to transfer over to the 0% that is fine. But the next step is to pay off the balances. Spending more than you make is not a wise long term plan. 393140 2010-05-19T09:17:56-07:00 Charles i guess after consolidating all your debt into one 0% balance transfer card, you could do a balance transfer to a different card once the introductory period ends... and keep repeating until you pay all your debt off. Will that work? Sounds OK but not sure practically.