you’ve decided it’s time to pay off your credit cards and get rid of that debt. Great! If you’re serious about tackling debt, you need to come up with a clear and achievable credit card payoff plan. Developing a credit card payoff plan can be tough if you don’t know where to start. To make it easier, we’ve broken it down into steps. Here’s how to create a credit card payoff plan when you have a specific debt-free date in mind: Focus on enacting your payoff plan and follow through until you get out of debt. Don’t fall into the trap of paying off one card with another. Avoid taking on additional debt and pay close attention to your spending. Try to stay conscious and goal oriented so that your credit card payoff plan doesn’t get derailed. If it does, do your best to get back on track as quickly as possible.