Many have racked up debt in the course of providing a celebratory holiday season last December. Whether paying off that debt is either a part of a larger amount of debt that one holds or a lone lump of debt causing stress in the back of the mind, come up with a knockout strategy to get rid of it.

Helen Anderson’s blog Credit Card Matcher provides some excellent advice. A solid plan is to apply for a zero percent credit card and have that holiday debt transferred to a plan that has a zero percent period last for one full year. Pay the debt down with monthly payments, making sure to clear it all one month before the zero percent period expires. Reevaulate your progress towards paying it off each month, making it a priority to have the debt eliminated. If after nine months it appears the debt will not clear in time before the zero percent period ends, research additional zero percent balance transfer offers and transfer it all again one full month before the zero percent period ends on the first card. Finally, cut up the zero percent balance transfer credit card to make sure you never spend on it.

Raj Patel writes for DebtGoal.com, a do-it-yourself system for getting out of debt and lowering your interest costs.  DebtGoal.com incorporates all of the techniques discussed in this post and can help users understand and get visibility to and manage their debt finances.