@westheadvisor: 1. Pay off credit cards in FULL every month 2. Wait at-least 10 days before using them again (this allows statement balance to show $0 which will boost your credit due to lower credit utilization) vay To Handle Debt 3. Pay mortgage BI-WEEKLY..why? This will allow you to make 13 payments a year vs 12. This will save you thousands of interest over time and put you in position to possibly pay off your mortgage sooner than expected #financialadvisor #financialliteracy #debtpayoff #creditcardtips