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Great Way To Start the New Year! Achieve A Lower Credit Card Interest Rate.

This post is part of a social shopper marketing insight campaign with Pollinate Media Group® and Payoff, but all my opinions are my own. #pmedia #payoffmindset #whatsyourpayoff http://my-disclosur.es/OBsstV

Our Ordinary Life- Kristen

It is a whole new year. For us adults, it becomes kind of the same routine. Make some New Year’s resolutions, promise to make big changes, makes those big changes, and hope for the best of what a New Year can bring. For some, beginning a new year can mean getting in better health, getting taxes ready, and finding ways to save money and make more money.

I look at anytime I can save money, to me is more like making money. Say for instance, with a credit card, many are higher interest rates than normal. The convenience of having the credit is great, but the interest can many times lead people to some kind of economic problem. With high interest and with a high balance, it can seem like the debt will never disappear and the stress it can add is not good either.

So I choose to start my New Year looking to change not just a few things, but to improve my life however it may be. Getting rid of credit card debt is great, because it allows us to have more money for ourselves and savings plus gets rid of the stress which can take away from wanting to improve my health and well being. And it is also just about it being a major burden. I have been there, get a credit card and everything is great, until is just seems the payoff is never in sight.


Finding a partner like Payoff.com is great right now by helping us to get a lower credit card interest rate. They will help to manage your credit card debt, helping you get ahead of the game, while also improving your credit score by paying off your debt. Save money every month and make more of your money pay off the real debt, not just accruing interest. When a credit card gets into the thousands and higher, and has a high interest, people may be overwhelmed with how much interest they actually are paying every month. And the relief to be able to remove the monthly payment is nice. By paying off those high interest credit cards, we can save money and have more every month for our budget, and still have those cards for just in case.


Best of all it does not affect your credit score. The process was very easy and quick. Just fill out the simple form and submit. They have requirements expected for borrowers but the application process is straight forward.


Enter your credit card debt to payoff, your information and create an account. Approval is quick and if approved, the money will be transferred to an account of your choice to pay off your cards. You new payment amount to Payoff.com could be lower or have much more of the monthly payment amount going to principle and much much less to interest, making a credit card gone by the end of this year, it’s possible!


Our goals are to ultimately reduce our credit card debt interest to pay them off faster. We took on some extra debt moving to California, and do not regret it any bit. Now it’s time to be responsible and pay back the credit, but saving hundreds to thousands in interest, is not just a good idea, but a financially smart one. That money we will save can now be budgeted for other purposes, so in a way we make money. And I know the debt will be paid off quicker, meaning soon no monthly payment meaning even more money every money. Win win win!


Take advantage of services like Payoff.com. Don’t think you are bound to high interest and if you’re only able to afford the minimum do not think you have to pay this loan for the next decades. Consolidate, reduce, refinance, and be proactive. Staying financial savvy is important, not just for yourself, but also for your kids and our futures.

We are going to cut back sharply this year to cancel out this credit card debt we have. There are so many ways to cut back, and making little changes such as less coffee trips every morning, and cutting back on eating out, we will use the extra money to pay off that debt quicker than ever. Lucky to, this is the time of year where we can begin saving for the holidays next year, so are goals of being credit card free by summer are very possible thanks to Payoff.com.

With the extra savings every month from reducing our credit card monthly payments, we can save for our family trip outside of the continental USA for the whole family in just half a year or less. We have some other big plans and with paying off our credit card debt, we will have the extra money in our monthly budget to make those dreams come true!


Have you thought about how much you would really save by ridding of your credit card debt? Remember credit cards carry some of the highest interest rates, making those high balances, heavy debt burdens. By lowering those higher interest rates, you may be amazed at how much you can really save with a service like payoff.com.

Payoff.com is not a loan service, but a business that is empowering people to take control of their credit card life, and get on track to a more financially healthy future. By getting rid of your credit card balances, let yourself and your family move forward from the shackles of high interest and focus on achieving your dreams and goals starting now, this year!

Check out Payoff.com on Facebook and find out how really easy and possible it finally is to reduce that credit card interest leading to zero balance credit cards, and an easier life.

Make sure that you use the following hashtags in your pics #payoffmindset #whatsyourpayoff #Pmedia and #ad


  1. Pamela :: Still Dating My Spouse on February 2, 2015 at 12:00 pm

    We got rid of credit cards years ago. This is a great idea for those still using credit cards.

  2. Jenn Park on January 31, 2015 at 10:24 pm

    This sounds like such a great program. We only have 2 cards – one for business expenses and one for gas in our vehicles. We pay them off monthly. It feels so good to pay things off! It did not always happen that easily for us.

  3. tammileetips on January 31, 2015 at 7:55 pm

    It feels so good to pay off debt. Make sure to cut up your cards too the temptation to use them again can be insane.

  4. Kelsey Apley on January 31, 2015 at 5:13 pm

    We are working hard this year to add money into savings, and we are doing great! Really helps relieve stress!

  5. Jenna Wood on January 31, 2015 at 2:12 pm

    I literally just came from my credit card payment center and credit tracker. I’m great at making payments on time, and have a pretty good deal as far as no interest when payments are made, but the other half isn’t. He could really use this service!