 TITLE: 11 Ways to Pay Off High Interest Credit Cards CONTENT: 4\\. Lower Your Expenses\n-----------------------\nIt can feel impossible to pay down debt when you don't have cash to spare. That's why a crucial step in the payoff process is to look for ways to save money. That might mean tracking expenses for a month or two and identifying places where you can cut back.\nFor instance, if your cellphone bill is one of your costliest recurring expenses, ask your provider if it offers new plans—even prepaid ones—that give you equivalent service for less money. Another common source of debt is food, so you could also consider instituting a plan to regulate how much you spend on dining out. Plan to cook more meals yourself and minimize what you spend when you do dine out with others.\nAny money you save from these changes can go into an account you use to pay off credit card debt. If you lower your cellphone bill from $80 to $60 per month, for instance, set up a recurring transfer for $20 per month to your paydown account, and make extra credit card payments from there. END