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02-Sep-2017 09:08

To make sure you never miss a payment, set up a direct debit to make at least the minimum payment each month.Call your credit card company and tell them you want to cancel your card as a competitor has offered you a lower interest rate. If it’s a pack of gum at CVS, I swipe without a second thought. If I’m splitting dinner with friends, I drop my debit card in the center of the table like I’m dropping a mic.And Apple Pay has even convinced me to leave my wallet at home and run to grab coffee or groceries. Sweden and Denmark are both toying with the idea of a paperless economy.And that made me wonder: Is the world becoming a harder place to live for people who are pro-cash?It's easy to think that your debt is too big to deal with.

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This may not sound like much, but frequent late payments can affect your credit rating.

In New York City, not that many venues are cash-only.

Venmo, Pay Pal, and other money-sharing apps make it easy to pay back a friend.

Before taking out a debt consolidation loan, get free advice.

The Money Advice Service has a list of trustworthy places to go for help.

For more ideas on how to lower your credit card debt, visit or