financial independence

Everyone knows it takes forever to clear credit card debt.
Heres a guide to help clear your credit card balance
One: switching to a better credit card deal
Find a credit card with a better rate than you're paying now. A lot of banks and credit card providers have 0% introductory periods on their cards periods when you won’t pay any interest on your credit card balance for up to a year.
While making payments on a 0% deal you will be chipping away at the capital rather than just interest and clear the debt quicker. The rate will rise after the offer expires.
0% Credit Card offers
Two: stop spending on the card
This should be step one really but stop using the card for purchases. If you keep using it, clearing your debt will be more difficult. Don't chop the card unless you have money for emergencies.
Three: use your savings to pay off your credit card
A common mistake is to carry debt on the credit card while stashing money away in a savings account. Unless you have a 0% card, this doesn’t make sense. Even the best savings accounts don’t pay much more than 5% and a typical credit card APR is nearer 15%. So take the money from your savings and clear your credit card debt.
Four: pay more than the minimum each month
You need to pay more than the minimum payment amount every month. Even small, seemingly harmless debts can grow out of control.

As an example a credit card balance of £1,500, if you only ever pay the minimum monthly requirement of 2% of your outstanding balance, the bill will take more than 30 years to clear and cost thousands of pounds in interest. Also important is to pay your card bills on time or a penalty charge will be added onto the total, increasing your debt.
See this info
Reclaiming Bank Charges
Five: Make a budget stick by it
I have written about this before so why not use the search function and have a look.
Six: See if you can increase your income
Try my
quick cash Ideas
And just in case you missed it before
Credit Card Deals