I pay down my line of credit, then watch it go right up again. How can I break the cycle?

Q: I keep paying off my line of credit , then watch the balance climb right back up over the next few months. It happens every time, and I never seem to get ahead. How do I break this cycle instead of just repeating it? –Naomi

FP Answers: It can certainly feel frustrating to work hard at paying down a line of credit, only to see t...