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Of course, if you still find yourself having trouble making your payments on time, there’s always automatic bill payment. Cycling Your Debt Without Fixing the Real Problem If you find yourself constantly consolidating debt or transferring balances to new credit cards, you might have developed a habit for debt swapping.

While having a lower interest rate and one monthly payment can definitely help solve short-term problems for you, if you do it all the time you could be avoiding the underlying issue.

In fact, it might even be keeping you from coming to terms with the behaviors that are forcing you into an almost perpetual state of debt.

If you think you’ve developed a habit for debt swapping, chances are it’s because you’re having a difficult time living within your means and maintaining a positive debt-to-income ratio.

Building a budget could reveal to you how much you’re overspending each month and help you uncover ways to cut back and save.

For tips on how to do so, see Financial Couples' Therapy .

This could help keep you from making erratic purchases, while also still providing you with a steady stream of rewards points. Ignoring Your Bills Coming home to a big pile of bills is a drag, there’s no doubt about it.

But tossing them onto the coffee table and ignoring them for weeks on end can have terrible consequences for your financial well-being.

Ask Suze your questions about debt & saving money Suze Orman's most recent book is her 2009 Action Plan: Keeping Your Money Safe & Sound (Spiegel & Grau).

Please note: This is general information and is not intended to be legal advice.

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