#1 ..... you have to stop using them!
I was in about $30K worth of debt and I am down to the last $5.5K now.
I cut back everything... cable, subscriptions, clothing, food, gifts, etc. I started to re purpose everything.
You soon find that many things you think are a "need" are actually a want.
And throw your whole tax return onto your debt. As soon as it clears in my account I pay down debt. Act like it was never even there.
Also, I did build up $1000 in a savings account for emergencies ... that again prevents using CC.
You can do this!!
