Reducing your debt is not impossible and certainly doesn’t require any magic. You only need to have some perseverance and some knowledge to get you headed in the right direction. Take a look at your debt and begin by paying off the one with the highest interest rate. If you need help with the numbers, financial calculators can be found online that can help.
Once you start paying more than the minimum that is required, you will see how quickly that balance will shrink. If you can, try to transfer balances to a card with a lower interest rate as this will save you money right away. Keep an eye out for those who offer a low rate for a set period of time. After the six months of low or no interest, you might be surprised by how high the rate will go.
Creating a plan for your payments is not hard but you must stick to it or your work will be lost. You can cancel all but two of your cards so they are not a temptation any longer. You really only need two and these can remain at home until needed and not carried with you always.