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(To calculate how much this will cost you, go to ) 4. In an ideal world, you would pay off your credit card in full and be free and clear.

You may have had a very good reason for running up high-interest debt: Maybe you had to make some unexpected big-ticket purchases or lost a job or endured an illness. If you’re carrying balances on multiple cards, it’s a long slog to wipe out those debts.

But regardless of the cause, ridding yourself of that balance should be your top financial priority. So give yourself a boost of instant gratification right from the start, says Mary Ann Campbell, a certified financial planner in Little Rock, Arkansas.

If you have a job and a good credit score, you may qualify to make an online loan request for up to about ,000. If you’re really strapped, make two minimum payments each month.

Card issuers typically charge interest on a daily basis, “so the sooner you make a payment, the faster your average daily balance is reduced, which translates into fewer dollars in interest that you ultimately pay,” says Gerri Detweiler, the director of consumer education for Credit.com, a personal-finance website.At Connecting Singles, All features are totally free: emails, flowers, forums, blogs, polls, e Cards, rate photos, videos, chat rooms, IM, singles parties, and more. Express your opinions, words of wisdom or just write about your day. Blogs bring attention to your profile and mail to your inbox. Fun cards for your friends, romantic cards for that special someone. Connecting Singles New Zealand really is 100% FREE!