I split my credit card payments up. I take each payment and divide by four. By using my banks automatic web bill-pay it makes for an easy payment method without pulling my hair out.

Since there is a payment each week, I am actually reducing the amount of interest paid each month. When I had to call my bank – they were alot friendlier with me when they noticed I was making weekly payments. I think it shows a commitment to paying my debt.

Another bonus is that I am actually making 13 monthly payments instead of 12 each year.

Good luck to everyone!