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This will free up extra cash that can be used for your debt payoff plan.You might even consider taking on a part-time job so you can increase your income and use the extra funds to pay off bills and debts with ease.If you make use of a balance transfer offer and move all your balances to a new credit card, you will immediately increase your total credit limit.Using the example above, let’s say you transferred your three credit card balances onto a new card.Eliminate credit card spending for at least two or three months so you can shift your focus to cash-based spending. Shop Around for Low Rates If it's not realistic to pay off our holiday debt (or earlier debts) in just four months, but you think you can pay off your total debts within a year, consider consolidating your balances to a low-interest or zero-percent interest credit card.

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One of the most important is, “does debt consolidation hurt your credit score?

A Consumer Reports poll points out that 53 percent of consumers used a credit card to pay for all or some of their holiday gift purchases.

Also, about 14.1 million adults were still carrying debt in late 2011 from the prior year's holiday season.

Be very specific about how much you are going to pay off and when that will occur. Four months is a reasonable amount of time to pay that off.

Commit to paying off that

Commit to paying off that $1,200 worth of bills by May 1.

It depends on your particular situation and your ability to pay off debt.

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Commit to paying off that $1,200 worth of bills by May 1.It depends on your particular situation and your ability to pay off debt.

,200 worth of bills by May 1.

It depends on your particular situation and your ability to pay off debt.

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