The average American family is bogged down with credit card debt. They often struggle to pay off creditors in addition to regular bills. The only way out of this debt dilemma is to stop the behavior, change your spending habits and eliminate debt as quickly as humanly possible


1Analyze your budget. Decide how much additional money you can put towards paying down debt more aggressively each month. Cut out your luxuries. For example, if you like to drink Starbucks coffee each morning, brew your own at home. Instead of eating out, put that money towards paying off your debt.2Gather all of your credit cards into a pile. Shred or cut them up. If you've committed a card number to memory, order a new one with a different number from your creditor and then shred it up immediately.3Determine which card has the highest interest rate and put all of the extra money you can towards paying off that one card. The more additional money you can contribute each month to this account, the faster you will eliminate credit card debt. Continue to make the minimum payment on your lower interest rate cards.4Once the highest interest rate card is paid off (which could take months), move down to the next highest interest rate account. Put all of your additional earnings towards this account until it is paid off and continue this cycle until all of your cards are paid off.